topic Re: New Capital One Card Consolidations? in Credit Cards

New Capital One Card Consolidations?

masscredit — Sat, 16 Jul 2016 17:00:06 GMT

Wondering if anyone has recently been able to combine two or more of their Capital One cards? This feature is located under the Services tab when you log into your account. So goto Servies then More. You'll then see it towards the bottom of the Card Services row.

Some info that Capital One lists -

There are several factors that determine eligibility. The most common ones are listed below. These factors may not all apply to you. Please note that this is not a complete list and other factors are also considered.

At least one of your cards had missed or late payments in the last 6 months; has a balance over its credit limit; or was charged off in the last 12 months meaning, due to a series of missed payments, the account was closed
The card you intend to close as a part of the combination has been open for less than 6 months
All of your cards have a balance greater than $0 (at least one card must have a $0 balance and no pending transactions)
Secured cards, co-brand cards (e.g., GM, Union Plus) and private label retail cards (e.g., Kohl’s, Neiman Marcus) cannot be combined at this time

This feature has worked for some people while others, including myself, haven't had any success. Cap 1 has said it it's slowly being rolled out.

I'm including the link to a thread that was started last year. It's kind of long so I figured a new one might be helpful.

http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Card-Consolidation/td-p/4113430

Re: New Capital One Card Consolidations?

Anonymous — Sat, 16 Jul 2016 17:08:58 GMT

How recent are you looking for? I combined my Venture One into my QS (was a QS1 then) on May 15th of this year. Everything went smooth!

Re: New Capital One Card Consolidations?

Anonymous — Sat, 16 Jul 2016 17:19:13 GMT

i have not had any luck yet with this feature. I have been trying, and hopfully sometime in the near future.

Re: New Capital One Card Consolidations?

masscredit — Sat, 16 Jul 2016 17:21:56 GMT

Maybe in the last month or so. Some might not know that this feature is avaialble and will try now. There are a number of people in the origional thread that were able to combine. Sometimes it didn't work for a long time then it was good. I try a few times per week.

Re: New Capital One Card Consolidations?

MyLoFICO — Sat, 16 Jul 2016 18:07:43 GMT

Both accounts have to be more than 6 months old. The one being merged into needs a 0 balance. And from what I have read here, there are certain cards that cannot be merged. I have 2 QS1's with a 0 balance right now and it will let me combine them either way I want to go but I am waiting on CLI's.

Re: New Capital One Card Consolidations?

mattmyFIC0 — Sat, 16 Jul 2016 22:59:36 GMT

@MyLoFICO wrote:
Both accounts have to be more than 6 months old. The one being merged into needs a 0 balance. And from what I have read here, there are certain cards that cannot be merged. I have 2 QS1's with a 0 balance right now and it will let me combine them either way I want to go but I am waiting on CLI's.

I'm not sure on that part. I tried on my account and I can combine my Venture (10 months old) into my Quicksilver (4 months old).

Re: New Capital One Card Consolidations?

MyLoFICO — Sun, 17 Jul 2016 00:40:58 GMT

Just got this off of Cap 1's site after opting to combine mine. I can't post images hosted on another site anymore so just click the link. I own the site it goes to so no popups or anything on it.

(Mod Cut-This needs to be a direct cap-1 URL the URL here is considered a solicitation if you go backwards in it, thanks for your understanding)

Re: New Capital One Card Consolidations?

Sbrooks1 — Sat, 16 Jul 2016 23:33:06 GMT

I consolidated this month but both cards were over 1 yr and at zero balance

Re: New Capital One Card Consolidations?

Anonymous — Sat, 16 Jul 2016 23:45:36 GMT

I have consolidated mine two cards last month, about two minute process went very smooth.

Re: New Capital One Card Consolidations?

Anonymous — Sun, 17 Jul 2016 00:14:57 GMT

I consolidated mine on June 12th, it took me about 2 days after bringing the balance to zero to get the option to combine. Maybe give it a few more days to see what happens.

Re: New Capital One Card Consolidations?

MyLoFICO — Sun, 17 Jul 2016 00:28:03 GMT

@mattmyFIC0 wrote:
@MyLoFICO wrote:
Both accounts have to be more than 6 months old. The one being merged into needs a 0 balance. And from what I have read here, there are certain cards that cannot be merged. I have 2 QS1's with a 0 balance right now and it will let me combine them either way I want to go but I am waiting on CLI's.
I'm not sure on that part. I tried on my account and I can combine my Venture (10 months old) into my Quicksilver (4 months old).

Disregard my posted image link. I understand what you are sying now. They say it has to be but yours merged while under 6 mos old. I tried before mine hit 6 and they qouldn't merge. Maybe it is something behind the scenes.

Re: New Capital One Card Consolidations?

Anonymous — Sun, 17 Jul 2016 01:33:50 GMT

Still not working for me. It's the slowest rollout pilot I've ever seen. If I ever planned a rollout this crummy I'd be fired on the spot. Ridiculous....

I don't like how the throw up the stupid generic reasons, just say we haven't gotten to your accounts yet give a few weeks or days, something better than the junk they are displaying. I try everyday for the sport of it now, maybe it'll gum up the systems or they'll see my perservance and throw me a bone 😄

OTOH, I was able to transfer miles from one account to another so I've got that working in my favor at least.

Re: New Capital One Card Consolidations?

thummel — Sun, 17 Jul 2016 01:41:35 GMT

Notice how it says the most common reason are below. There might be more reasons as to why someone might seem eligible to combine but doesn't meet the standards we can't see. Just some food for thought.

Re: New Capital One Card Consolidations?

Blackbeauty212 — Sun, 17 Jul 2016 10:28:37 GMT

@mattmyFIC0 wrote:
@MyLoFICO wrote:
Both accounts have to be more than 6 months old. The one being merged into needs a 0 balance. And from what I have read here, there are certain cards that cannot be merged. I have 2 QS1's with a 0 balance right now and it will let me combine them either way I want to go but I am waiting on CLI's.
I'm not sure on that part. I tried on my account and I can combine my Venture (10 months old) into my Quicksilver (4 months old).

Only the Card that you Transferring FROM and Closing needs to be >6 months old

Re: New Capital One Card Consolidations?

jawbrkr — Sun, 17 Jul 2016 14:16:25 GMT

I consolidated just last week. Only one of my cards was over 6 months old. So both cards having to be 6 months old is not entirely true. In my case I kept the younger card and the combination was done right after I received and activated the card.

Re: New Capital One Card Consolidations?

Anonymous — Sun, 17 Jul 2016 14:47:04 GMT

@Anonymous wrote:
i have not had any luck yet with this feature. I have been trying, and hopfully sometime in the near future.

is this the reason why you have 4 cap QS? I thought it's a missed HTML codings

Re: New Capital One Card Consolidations?

masscredit — Sun, 17 Jul 2016 15:20:24 GMT

I have four Cap 1 cards. The two oldest are my QuickSilver and a Venture One. Both of them are over 4 years old and have changed over the years. The QS started off as a Platinum card and the Venture One was an HSBC card before it was picked up by Cap 1 a couple of years ago then it was PCed to what it is now. I don't think the history of these two cards is stopped them from being combined but anything is possible. My other QS and the Venture card will be 6 months old in two weeks.

It's kind of fustrating when there is a feature available and it looks like the cards qualify but it's not available to me (or you).

Re: New Capital One Card Consolidations?

Anonymous — Sun, 17 Jul 2016 17:20:04 GMT

Thanks masscredit for starting a new thread. Unfortunately, I haven't been able to combine.

Re: New Capital One Card Consolidations?

mdd0214 — Sun, 17 Jul 2016 18:13:10 GMT

Thanks for posting about this! I'm trying to combine more of my cards to keep things simpler. Just another data point: I have an old QS that I haven't used in a long time. Combined that with brand new Venture to bump up CL. I have not even received my Venture card yet. In fact, I had such little activity with Cap One that the Venture was restricted due to suspected fraud in the app until I called this morning (for verification they took my name, dob and address and just called me back on my account contact number to ask again if I had applied).

Re: New Capital One Card Consolidations?

Pway — Sun, 17 Jul 2016 18:17:34 GMT

I was not able to consolidate my cards until they were over a year old. I was successful then.