https://ficoforums.myfico.com/t5/Credit-Cards/When-to-Merge-Capital-One-Card-for-Highest-Limit/m-p/4917311#M1436239 <P>When is it better to merge a Capital One card for chances of a higher limit?</P><P>&nbsp;</P><P>A. With recently approved card ($1K QS One), wait for first increase (possibly 6 months if in credit steps)</P><P>B. With recently approved card, merge ASAP</P><P>&nbsp;</P><P>The issue is the current Platnium card has a low $500 limit (originally $300) and won't increase due to recent CLI with credit steps in January). Any thoughts?</P> Wed, 12 Apr 2017 15:41:11 GMT shavit87 2017-04-12T15:41:11Z https://ficoforums.myfico.com/t5/Credit-Cards/When-to-Merge-Capital-One-Card-for-Highest-Limit/m-p/4917311#M1436239 <P>When is it better to merge a Capital One card for chances of a higher limit?</P><P>&nbsp;</P><P>A. With recently approved card ($1K QS One), wait for first increase (possibly 6 months if in credit steps)</P><P>B. With recently approved card, merge ASAP</P><P>&nbsp;</P><P>The issue is the current Platnium card has a low $500 limit (originally $300) and won't increase due to recent CLI with credit steps in January). Any thoughts?</P> Wed, 12 Apr 2017 15:41:11 GMT https://ficoforums.myfico.com/t5/Credit-Cards/When-to-Merge-Capital-One-Card-for-Highest-Limit/m-p/4917311#M1436239 shavit87 2017-04-12T15:41:11Z https://ficoforums.myfico.com/t5/Credit-Cards/When-to-Merge-Capital-One-Card-for-Highest-Limit/m-p/4917328#M1436242 <P>A merge will reset CLI date.</P><P>&nbsp;</P><P>The account to be closed must have a 0 balance, no pending transactions, and be at least 6 months old.&nbsp;</P><P>&nbsp;</P><P>I'd recommend doing a CLI on both cards first for maximum impact.</P> Wed, 12 Apr 2017 15:50:17 GMT https://ficoforums.myfico.com/t5/Credit-Cards/When-to-Merge-Capital-One-Card-for-Highest-Limit/m-p/4917328#M1436242 Anonymous 2017-04-12T15:50:17Z