topic Re: I can't seem to combine Capital One accounts? in Credit Cards

I can't seem to combine Capital One accounts?

Taoron — Sun, 08 May 2016 21:48:34 GMT

Hello,

I seem to be missing something. I can't seem to get my accounts to combine. I have 3 Venture cards, and 2 QS cards.

I wanted to combine the two QS cards. One was opened May of last year, one was opened in October of last year.

I also have a Venture opened last May, one in July and one in October.

One of the QS cards has never been used. One of the Venture cards has never been used.

I try to go to combine, and it says I can't combine and gives generic reasons.. none of which apply to me.. for it being not qualified to be combined.

1) I've never been late; I may $1000+ monthly payments on my accounts.

2) I have no defaults in the last year.

3) I have never missed a payment with them.

4) I did have 3 prior accounts from years past closed by them due to default, but that was pre-bk and I was rather new to credit then. ($300 line here, $500 there.)

Is there something sticking out that would prevent me from combining them?

Re: I can't seem to combine Capital One accounts?

Anonymous — Sun, 08 May 2016 22:01:03 GMT

They just haven't rolled this option out to everybody yet. They were kind of doing a trial run and there are many people who can't use this feature yet. It does seem like they are starting to roll it out to more and more people lately, so just keep trying it and one day it'll work.

Re: I can't seem to combine Capital One accounts?

Taoron — Sun, 08 May 2016 22:03:27 GMT

@Anonymous wrote:
They just haven't rolled this option out to everybody yet. They were kind of doing a trial run and there are many people who can't use this feature yet. It does seem like they are starting to roll it out to more and more people lately, so just keep trying it and one day it'll work.

Wow, Thank you. I didn't realize it didn't actually work. I have the option, it just doesn't seem to offer a combination. I'll keep trying every month! Hopefully someday I can combine them, lol. I sort of went nuts with applying last year and would love to combine a few accounts.

Re: I can't seem to combine Capital One accounts?

Benzman — Sun, 08 May 2016 22:28:42 GMT

If you are trying to combine the cards you never used, that may be the issue. I would run a few charges thru each, pay them off, and then try again to combine.

Re: I can't seem to combine Capital One accounts?

Anonymous — Sun, 08 May 2016 22:37:37 GMT

@Benzman wrote:
If you are trying to combine the cards you never used, that may be the issue. I would run a few charges thru each, pay them off, and then try again to combine.

This isn't the problem. I have multiple cards with them and they all have activity at some point or another. I've had accounts at $0 during the month, at statement close, etc. It just isn't available to me yet - I'm hopeful they get it rolled out to everyone soon. I'd love to know their logic for making something that seems so simple, so complicated.

OP - do you have any AU's on any of your accounts? When I was chatting with a rep about it, they looked at all my accounts to make sure there were no AU's - not sure if that's a for real thing, or they were trying to help anyway they know how.

Re: I can't seem to combine Capital One accounts?

Taoron — Mon, 09 May 2016 00:22:33 GMT

@Anonymous wrote:
OP - do you have any AU's on any of your accounts? When I was chatting with a rep about it, they looked at all my accounts to make sure there were no AU's - not sure if that's a for real thing, or they were trying to help anyway they know how.

Nope, no AUs. Just myself.

Re: I can't seem to combine Capital One accounts?

Anonymous — Mon, 09 May 2016 01:46:58 GMT

Even though Capitalone states that only one of the cards being combined needs to have a zero balance and that the cards only have to be at least six months old; it never worked for me until both my cards had a zero balance and I had cashed out my rewards. Literally the next day it worked.

Re: I can't seem to combine Capital One accounts?

MyLoFICO — Mon, 09 May 2016 02:09:42 GMT

It's can't be the balance. I have 2 QS1's. One has a 0 bal and the other has a $1500 balance and it tells me I can combine mine. Unfortunately, it wants to kill the 0 balance card which is also my oldest card so I won't be combining them until I can pay the other one off to 0 and keep the oldest one. I also have AU's on both and it tells me those cards will disappear with the account that gets killed off.

Re: I can't seem to combine Capital One accounts?

Anonymous — Mon, 09 May 2016 02:33:57 GMT

Yeah, for me I definitely had to have zero on both. It kept only giving me the option one way (closing the one I wanted to keep). Could it just be coincidence? Sure, but as soon as my balance was zero on the card I wanted to keep it gave me that option. Again, this was my experience but obviously might be different for someone else.

Re: I can't seem to combine Capital One accounts?

Anonymous — Mon, 09 May 2016 04:07:17 GMT

Combining worked for me with a zero balance only on the card I got rid of. That was 2 wks ago. GL OP!

Re: I can't seem to combine Capital One accounts?

Anonymous — Mon, 09 May 2016 03:51:35 GMT

ok so a good data point would be this. Has anyone combined them having an AU on the account>?

Re: I can't seem to combine Capital One accounts?

MyLoFICO — Mon, 09 May 2016 11:09:57 GMT

@Anonymous wrote:
Yeah, for me I definitely had to have zero on both. It kept only giving me the option one way (closing the one I wanted to keep). Could it just be coincidence? Sure, but as soon as my balance was zero on the card I wanted to keep it gave me that option. Again, this was my experience but obviously might be different for someone else.

Nope, identical to my experience. Not sure why the balance has any effect but I can probably guess its easier on them.

Re: I can't seem to combine Capital One accounts?

MyLoFICO — Mon, 09 May 2016 11:20:56 GMT

The AU cards are closed out on the account you will be losing in the merge. I don't know if they transfer tot he new card but I imagine you have that option.

Re: I can't seem to combine Capital One accounts?

ttleigh — Mon, 09 May 2016 13:10:28 GMT

Are you sure the account from October is over 6 months old? Just a thought but if you applied near the end of October and it took a week or so to come in and then a week or so to activate it may just be the card hasn't quite hit 6 months. If that's a possibility it will prob work any day now

Re: I can't seem to combine Capital One accounts?

Taoron — Mon, 09 May 2016 15:23:17 GMT

@ttleigh wrote:
Are you sure the account from October is over 6 months old? Just a thought but if you applied near the end of October and it took a week or so to come in and then a week or so to activate it may just be the card hasn't quite hit 6 months. If that's a possibility it will prob work any day now

It was opened at the beginning of the month.