topic Re: Cap one CLI and then Account Combionation in Credit Cards

Cap one CLI and then Account Combionation

Anonymous — Wed, 28 Sep 2016 15:00:58 GMT

I was able to combine my two Cap One accounts today into one 16000 cl. Both accounts opened in early 2015 and have climbed steadily from 500 starts to 9000 and 7000.

Just got cli's on both on Saturday. Made sure both accounts showed 0 balance and combined them today. Love this feature Cap One allows.

Little history.

cap one qs1

open 01/27/2015 500

cli 04/15 500--1500

credit steps 08/15 1500-2000

cli (EO) 09/15 2000-3000

cli 03/16 3000-6000

cli 09/16 6000-9000

used and paid in full anywhere from 1500-5000 per month.

platinum mc

open 02/15/15 500

cli 04/15 500-1500

credit steps 08/15 1500-2000

cli 03/16 2000-5000

cli 09/16 5000-7000

used and paid in full usually around 1000 per month

Worked really hard this past year to grow my credit and this is just another stepping stone. Building limits that are usuable without the constant monitoring and also to take the number of active accounts down while still building available credit. And as a bounis I got to earn a little extra cashback for money I was gonna spend anyway.

Re: Cap one CLI and then Account Combionation

Dalmus — Wed, 28 Sep 2016 19:36:16 GMT

I just did the same thing, recently... Cap1 has been relatively stingy with CLI's for me, so 7 months ago, I checked th prequal site and opened up a new QS1 and a new Platinum with the plan of just combining them in 6 months to raise my limit my main QS1. 1 month ago, I requsted a CLI on my main QS1 nin prep for combining, they gave me $500. Then I said what the heck, and requestede a CLI for the two NEW cards.... Bumped each up $1,000. Then I did the account combo... Now I have card with a decent (to me) limit of $7,750. I still have my Playstation card, which also got bumped up last month sitting at $2,000... First CLI for that one in the three years I've owned it!

Re: Cap one CLI and then Account Combionation

Anonymous — Thu, 29 Sep 2016 00:26:20 GMT

@Dalmus wrote:
I just did the same thing, recently... Cap1 has been relatively stingy with CLI's for me, so 7 months ago, I checked th prequal site and opened up a new QS1 and a new Platinum with the plan of just combining them in 6 months to raise my limit my main QS1. 1 month ago, I requsted a CLI on my main QS1 nin prep for combining, they gave me $500. Then I said what the heck, and requestede a CLI for the two NEW cards.... Bumped each up $1,000. Then I did the account combo... Now I have card with a decent (to me) limit of $7,750. I still have my Playstation card, which also got bumped up last month sitting at $2,000... First CLI for that one in the three years I've owned it!

Congrats on being able to combine your accounts. Check with Cap 1 to see if you have an upgrade offer from QS1 to QS without an annual fee. Good luck!

Re: Cap one CLI and then Account Combionation

Anonymous — Thu, 29 Sep 2016 00:29:32 GMT

@Anonymous wrote:
I was able to combine my two Cap One accounts today into one 16000 cl. Both accounts opened in early 2015 and have climbed steadily from 500 starts to 9000 and 7000.
Just got cli's on both on Saturday. Made sure both accounts showed 0 balance and combined them today. Love this feature Cap One allows.

Little history.

cap one qs1
open 01/27/2015 500
cli 04/15 500--1500
credit steps 08/15 1500-2000
cli (EO) 09/15 2000-3000
cli 03/16 3000-6000
cli 09/16 6000-9000

used and paid in full anywhere from 1500-5000 per month.

platinum mc
open 02/15/15 500
cli 04/15 500-1500
credit steps 08/15 1500-2000
cli 03/16 2000-5000
cli 09/16 5000-7000

used and paid in full usually around 1000 per month

Worked really hard this past year to grow my credit and this is just another stepping stone. Building limits that are usuable without the constant monitoring and also to take the number of active accounts down while still building available credit. And as a bounis I got to earn a little extra cashback for money I was gonna spend anyway.

Congrats to combining your credit limits! Contact Cap 1 to see if you have any upgrade offers to a QS with no annual fee. Good luck!

Re: Cap one CLI and then Account Combionation

FireMedic1 — Thu, 29 Sep 2016 08:56:52 GMT

Congrats! Did the same thing yesterday as you probably saw in the C1 combo thread.

Re: Cap one CLI and then Account Combionation

Anonymous — Thu, 29 Sep 2016 15:54:16 GMT

@beautifulblaquepearl wrote:
@Anonymous wrote:
I was able to combine my two Cap One accounts today into one 16000 cl. Both accounts opened in early 2015 and have climbed steadily from 500 starts to 9000 and 7000.
Just got cli's on both on Saturday. Made sure both accounts showed 0 balance and combined them today. Love this feature Cap One allows.

Little history.

cap one qs1
open 01/27/2015 500
cli 04/15 500--1500
credit steps 08/15 1500-2000
cli (EO) 09/15 2000-3000
cli 03/16 3000-6000
cli 09/16 6000-9000

used and paid in full anywhere from 1500-5000 per month.

platinum mc
open 02/15/15 500
cli 04/15 500-1500
credit steps 08/15 1500-2000
cli 03/16 2000-5000
cli 09/16 5000-7000

used and paid in full usually around 1000 per month

Worked really hard this past year to grow my credit and this is just another stepping stone. Building limits that are usuable without the constant monitoring and also to take the number of active accounts down while still building available credit. And as a bounis I got to earn a little extra cashback for money I was gonna spend anyway.

Congrats to combining your credit limits! Contact Cap 1 to see if you have any upgrade offers to a QS with no annual fee. Good luck!

Forgot to mention that step. I did that about 3 months in. Thanks for the suggestions though. That's what led me to be able to do all this. The helpful advice of all the great posters on Myfico.

Re: Cap one CLI and then Account Combionation

silkysean — Thu, 29 Sep 2016 22:06:05 GMT

Nice congrats !