topic Re: Capital One Account Combination Question in Credit Cards

Capital One Account Combination Question

Anonymous — Tue, 20 Mar 2018 00:10:54 GMT

I have two QS cards that I'm considering combining :

1. Opened 7/2017, interest 25.24%, no AF, $750 CL, 100% payment history.

2. Opened 3/2014, interest 24.15%, no AF, $500 CL, several very, very, very late payments.

My first question is -- which would you keep, and which would you close (1 or 2)?

Second, when does Capital One report the change? On the next statement next month? I only have three cards, and I know I'll take a hit going down to two. I want to apply for a NFCU or Discover card in a couple of weeks. Should I apply before or after I combine?

Re: Capital One Account Combination Question

Anonymous — Tue, 20 Mar 2018 01:30:46 GMT

How long ago were those lates? They are already on your report so not positive but don’t think it matters if acct is open or closed they will still report til they fall off, I’d keep the older one with lower interest,, if you do try and combine make sure to request cli before you do think that resets the 6 month wait, and what are your scores like? You can go on discoverscorecard and get free score and see if preapproved for their card there

Re: Capital One Account Combination Question

Anonymous — Tue, 20 Mar 2018 01:45:20 GMT

I already tried a CLI on one of them (#2) - no dice. The other (#1) had a recent CLI due to their Credit Steps program, or whatever it's called...

The last late was in March 2017.

I did the Discover pre-approval and was offered either the IT or the Chrome.