topic Re: Capital One Combine in Credit Cards

Capital One Combine

CommanderCody — Wed, 06 Feb 2019 18:21:50 GMT

I'm trying to figure out when I might be eligible to combine my two Cap1 cards. One is a plat that was pc'ed to a QS at the end of the year. I also took a manual cli at that time, not eligible for another until late June or early July. The other is a QS1 that should be eligible for a cli in late March. This is also when the AF comes due, which I would like not to pay.

There is a small balance on the QS1 but nothing on the QS. I have seen on the website where I can move my cb from one account to another and know this should be done before the combine.

I don't think I'm currently eligible to combine since it doesn't show up on the website. Any idea when I might be able to?

You'll are great and have provided tons of useful advice.

Thanks

Re: Capital One Combine

Caardvark — Wed, 06 Feb 2019 18:57:43 GMT

I believe there is a six month period before you can PC again (similar to CLIs)

Re: Capital One Combine

FireMedic1 — Thu, 07 Feb 2019 00:52:33 GMT

Strange. I dont see the link to combine accounts. It was always there before on all 3 cards. Even in search when you load the "I want to" it doesnt show it either. Wonder if they nerfed it. Ut oh. Not that I would combine. Was trying to help you. But guess not.

Re: Capital One Combine

CommanderCody — Thu, 07 Feb 2019 01:10:08 GMT

I hope not. I hoping it just a six month wait after the pc.

Re: Capital One Combine

CommanderCody — Thu, 07 Feb 2019 01:11:49 GMT

Thanks for the help guys

Re: Capital One Combine

Anonymous — Thu, 07 Feb 2019 01:37:50 GMT

Cap doesn’t combine accounts anymore, there was a thread about this recently.

Re: Capital One Combine

FireMedic1 — Thu, 07 Feb 2019 09:09:34 GMT

@Anonymous wrote:
Cap doesn’t combine accounts anymore, there was a thread about this recently.

How in the world did I miss this? On here everyday 7 days a week. Thanks for pointing it out @Saeren

Re: Capital One Combine

Anonymous — Thu, 07 Feb 2019 18:10:15 GMT

@FireMedic1 wrote:
@Anonymous wrote:
Cap doesn’t combine accounts anymore, there was a thread about this recently.
How in the world did I miss this? On here everyday 7 days a week. Thanks for pointing it out @Saeren

They have made a number of changes that are very unfriendly. No more unsecuring of cards that were issued in 2018, no more account combinations, and they have majorly tightened up CLIs.

In axing account combinations, they have removed any interest I had in getting a second card with them unless I decide to pick my PlayStation card up again (I never should have closed that one).

Re: Capital One Combine

The-Credit-Disciple — Thu, 07 Feb 2019 18:24:27 GMT

Great morning!! I just Combined my QS1 into my QS 3 weeks ago. Some of the criteria for the Combo is to have account open at least 6 months, and you can't have a balance on the card you are trying to combo. I tried the first time with a Balance on my QS1. And i got denied. I paid it off a week or so later then tried again, boom!!! Done.😀😀

Re: Capital One Combine

kdm31091 — Thu, 07 Feb 2019 18:25:46 GMT

They’ve really tightened up on a lot of things at capital one. New approvals, CLIs and account combos. Unfortunately they are becoming a very strict lender, at least with their higher end products.

Re: Capital One Combine

Anonymous — Thu, 07 Feb 2019 18:25:57 GMT

@The-Credit-Disciple wrote:
Great morning!! I just Combined my QS1 into my QS 3 weeks ago. Some of the criteria for the Combo is to have account open at least 6 months, and you can't have a balance on the card you are trying to combo. I tried the first time with a Balance on my QS1. And i got denied. I paid it off a week or so later then tried again, boom!!! Done.😀😀

The option is gone from the website, it’s been confirmed by multiple people now.

Re: Capital One Combine

CommanderCody — Thu, 07 Feb 2019 21:23:33 GMT

Found the other thread and seems one CSR says no more combining and a different one says the system being revamped. I'll check again just before AF is due. If it's not back by then, bye bye QS1.

Re: Capital One Combine

Anonymous — Thu, 07 Feb 2019 22:50:04 GMT

Yesterday, I attempted to combine my Platinum to QS b/c I have no use for Platinum anymore and I spoke to a rep via chat. They state they are working on getting the link back up. They say account combination can only be done online though and said he has no idea when it will be back up. Take it FWIW.

Re: Capital One Combine

Anonymous — Thu, 07 Feb 2019 23:54:04 GMT

@Anonymous wrote:
Yesterday, I attempted to combine my Platinum to QS b/c I have no use for Platinum anymore and I spoke to a rep via chat. They state they are working on getting the link back up. They say account combination can only be done online though and said he has no idea when it will be back up. Take it FWIW.

I was told by a CSR, after being placed on hold so she could check with her supervisor, that they stopped doing that. Go figure. Who can ever trust what they tell you over the phone? One would think they would have a manual of procedures, easily available to all.

Re: Capital One Combine

FireMedic1 — Fri, 08 Feb 2019 00:46:30 GMT

Yes they have tighten up alot since I started my rebuild. Man I hit it lucky with Venture @$59. Got the Savor and then the new $95 AF I avoided and got grandfathered. Combined the QS1 to Venture 2017. You can tell the Savor really got tougher to get. But if you do its usually a good SL with these 15-30k approvals lately. Thanks for all the info. Hopefully it is a glitch. Hate to see the combo go away for good. It works out great for rebuilders and then you can place RIP in your siggy.