topic Re: Maximum Number of Cap One Cards: A Guide in Credit Cards

Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 05:18:02 GMT

Just trying to clear this up as this question happens a lot. Hopefully this'll save some people from some serious frustration. Emphasis in neon green on the screenshots is mine.

You can only have ONE Capital One card if your card is the Capital One Builder Program card. After it graduates and becomes a regular platinum, then the rules are the same as they are for the regular Platinum card (see below).

From the T&C of the Builder Program:

If you have TWO OR MORE Capital One cards open, you will get denied when attempting to apply for the following cards: QuicksilverOne, Platinum, Journey, Secured.

From the T&C of QuicksilverOne, which is the same as Platinum, Journey, Secured:

You have have FIVE TOTAL Capital One cards. This includes all cards offered.

From the T&C of Venture, which is the same for VentureOne and Quicksilver:

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 05:22:32 GMT

FWIW, I have a total of SIX cards - 2 rebuilders and 4 prime cards.

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 05:28:14 GMT

@Anonymous wrote:
FWIW, I have a total of SIX cards - 2 rebuilders and 4 prime cards.

This is coming from Cap One's website. A lot of people have been posting lately that they're getting rejected for having too many accounts so this was just trying to shed some light on that.

There are exceptions to rules on occasion - some people have like 3 Platinum cards and Cap One says you can't based on this - but it seems like those people ended up having some weird hiccup happen. But since this is a rarity, I figure being pointed to Cap One's terms and conditions can clear that up a bit.

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 05:54:39 GMT

I had 5, now have only two and both are prime cards. I remember when I couldn't have any more than two and their combined CLs were $800, so there eventually comes an up point, when you're good.

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 07:25:51 GMT

Thanks for taking the time to edit the pictures, write everything out, and posting this information! Kudos to you!

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 10:29:24 GMT

ksb1, DH had a total of six cards, all prime. Just closed a Quicksilver Visa Sig this last weekend. There have been some who have questioned how is that possible that he had six. The last time he app'd, he app'd for two cards which put him at six. You have confirmed that one can have more than five cards.

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Fri, 11 Dec 2015 14:29:24 GMT

This is a awesome thread, I feel stupid now but it all makes sense.

I have had this complex understanding forever that you can have 2 sub primes and 5 primes, but they dont want to give more then 2 cards if you only qual for a subprime card anyway so now I know why they deny me for the QS1 everytime

Re: Maximum Number of Cap One Cards: A Guide

rrdm78 — Sun, 13 Dec 2015 15:33:03 GMT

I have the following capital one credit cards:

Capital One quicksilver one

Capital One platinum I recently did a PC to quick silver

Union plus- Capital One

Lord and Taylor-Capital One

Neiman Marcus-Capital One

Kohls- Capital One

Re: Maximum Number of Cap One Cards: A Guide

Anonymous — Sun, 13 Dec 2015 17:00:40 GMT

It's becoming more and more apparent that Cap One will be a little more lax on their rules than their T&C states it will but I know a lot of people get frustrated with being turned down for a Cap One card due to having "too many accounts" (it happens pretty often) that it was worth pointing to the terms to explain why.

Re: Maximum Number of Cap One Cards: A Guide

wantmoremoney — Sun, 13 Dec 2015 17:39:42 GMT

Great post OP!! Very helpful to many of us!!! Thanks very much!!