topic Cap 1 Combination in Credit Cards

Cap 1 Combination

Anonymous — Thu, 08 Mar 2018 18:43:06 GMT

I have been trying to combine my 2 QS1's into one card but I keep getting denied. Card to be closed has 0 balance and is 7 months old. Card to combine into is over a yr old with $65 balance on a $1900 limit. I combined my platinum into this one 6 or 8 months ago. Never had a late payment. Anyone else had issues with this or may know why? Cap One chat was no help. Will probably call tomorrow or Sat but was curious if anyone else had this happen. Thanks.

Re: Cap 1 Combination

Anonymous — Thu, 08 Mar 2018 19:08:38 GMT

Based off what you have said, you should be able to combine; looks like the cards meet what Cap1 lists as requirements.

You can find plenty of people here that have had similar trouble, for whatever reason it takes time to combine sometimes. Cap1 chat, or even calling I would imagine, is completely unhelpful though

Re: Cap 1 Combination

Anonymous — Thu, 08 Mar 2018 19:17:15 GMT

Hope it works out. I'm planning a combination this summer - I want to merge my old QS MC (upgraded from Platinum, and likely a "starter") into my new QS Visa Signature which will have hit the 6-month age mark by then. The MC will be at zero when combine time comes.

Re: Cap 1 Combination

Anonymous — Thu, 08 Mar 2018 19:53:31 GMT

Are you able to combine QS MC that was PCd from Platinum into a QS Visa? My wife has a QS MC PCd from platinum and is qualified for a QS Visa but didnt want to app for it if it isnt able to combine the MC to the Visa.

Re: Cap 1 Combination

Anonymous — Thu, 08 Mar 2018 20:18:54 GMT

nairb, shouldn't matter if its MC to Visa. if accounts are eligible, they normally will, but I have seen a few people having trouble getting this done

Re: Cap 1 Combination

K-in-Boston — Thu, 08 Mar 2018 20:23:19 GMT

About 20 years ago when I did my first CapOne account combination, you couldn't combine cards across different networks. Fast forward to about 2 years ago and I was able to combine both V and MC cards (CapOne bought some of my old lenders) into one MasterCard and then did a product change to VentureOne.

Re: Cap 1 Combination

Anonymous — Fri, 09 Mar 2018 01:45:57 GMT

You shouldn't have any problem. I combined my QS1 to QS last month via online without any issue with only 2-3 clicks. I had both accounts for over 1,5 years. Today I just PC my QS to SAVOR. I'm very excited because of 3% cash back for dining.

Re: Cap 1 Combination

BrokenBones — Fri, 09 Mar 2018 02:10:05 GMT

I don't mean to steal your thread, but do you have to wait 6 months when combining cards? I have three Capital One cards and I would like to combine to one card.

Re: Cap 1 Combination

Anonymous — Fri, 09 Mar 2018 11:35:37 GMT

The cards have to be 6 months old and the card or cards that you are closing and combining from have to be at a zero balance. Not sure if there is a wait period between cards that you are combining or if you can do multiple cards in a short time frame, maybe someone else would know that.

Re: Cap 1 Combination

Anonymous — Wed, 26 Sep 2018 15:58:32 GMT

So, six months later with zero balance on both cards and I still can't combine. Never late, both well over six months old.... I can only come up with two possible reasons and they may not have anything at all to do with it...

1. First QS1 had $750 combined to it from a platinum card. or

2. I can't combine two cards with an AF?.?.?

Other than those two things that are not mentioned in the requirements, I meet all of them but I'm sure someone here can counter those two reasons.

Anyway, just a follow up and also looking for anyone who may have some more input.

Thanks!

Re: Cap 1 Combination

Anonymous — Wed, 26 Sep 2018 16:07:08 GMT

@Anonymous wrote:
I have been trying to combine my 2 QS1's into one card but I keep getting denied. Card to be closed has 0 balance and is 7 months old. Card to combine into is over a yr old with $65 balance on a $1900 limit. I combined my platinum into this one 6 or 8 months ago. Never had a late payment. Anyone else had issues with this or may know why? Cap One chat was no help. Will probably call tomorrow or Sat but was curious if anyone else had this happen. Thanks.

Has the card you want to combine had a zero balance with no activity at all for 30 days? The last time I combined their cards they made me wait before the combination could be processed. You also might think about talking CSR before combining to make sure the rewards you've accrued make it over to the new card as they wont transfer on their own during the combination.

Re: Cap 1 Combination

egold1234 — Thu, 27 Sep 2018 00:55:00 GMT

I've got a QS1 that's been at a $0 for a year. Always PIF before statement cuts. Can't get them to combine it with my QS.

No explanation. I may end up closing the account and apping for a new card.

Re: Cap 1 Combination

Anonymous — Thu, 27 Sep 2018 01:40:25 GMT

The card Im trying to combine has had a zero balance for months until this month when the AF hit but I paid that in full. Ive tried probably once a month and nothing. I dont have any rewards on this one so there is no worry there. I contacted customer care a few months ago and the guy i spoke with said he could only try to combine using the internet the same way i did and if it didnt work for me then it wouldnt work for him. He also said that he couldnt give me a reason why it wouldnt work but that Cap1 has other requirements that arent listed that i may not meet. I really think that he was just feeding me a line because he had no clue. Im thinking along the same line as egold1234 and may close the card. I would like to combine and have both limits in one but its looking like that wont happen.