topic Re: Capital 1 Account Combo Question !! in Credit Cards

Capital 1 Account Combo Question !!

Anonymous — Thu, 19 May 2016 22:20:42 GMT

Hey all -- another question regarding CapOne. I jiust checked online and I am finally elgible to combine my 2 highest limit cards -- the account I would be combining TO (oldest card, year old) is due for a 6 month CLI around June 5-10th....but, if I combine the accounts today will that negate the possibility of a CLI on that combined account, even though it is still the same account due for the CLI in a few weeks ? Does it negate any possiblity of a CLI for 6 months ??

Their verbiage is hard to fully comprehend. Anyone who has experience combining accounts and then getting CLIs chime in -- if not, ill wait to see if i get that CLI in June before combining.

Re: Capital 1 Account Combo Question !!

kdm31091 — Thu, 19 May 2016 22:43:21 GMT

Yes, it counts as a CLI and you won't be able to get one for six months.

I know this isn't a new app, but still results in activity (closing account) on the credit report. Given your recent AA troubles, maybe it would be prudent to just leave things sit awhile?

Re: Capital 1 Account Combo Question !!

Anonymous — Thu, 19 May 2016 22:52:59 GMT

Yes. I agree. May as well await the CLI in June and re assess later in summer after dust settles.

Re: Capital 1 Account Combo Question !!

Anonymous — Fri, 20 May 2016 02:09:31 GMT

Providing you get the CLI

Re: Capital 1 Account Combo Question !!

Anonymous — Fri, 20 May 2016 02:14:31 GMT

True. My cards with cap one are all at $0 and I use them like woahhh! Scores good even FICO 04 so I'm not worried. They've been ok to me lately.

Re: Capital 1 Account Combo Question !!

Anonymous — Fri, 20 May 2016 02:15:00 GMT

If not I combine and move on