topic Re: Capital One Combining Gone Forever ? in Credit Cards

Capital One Combining Gone Forever ?

FidelCashflow — Tue, 07 Jul 2020 01:26:34 GMT

They told me it was temporary when they took the ability to combine away. They then told me it was only available if my accounts were eligible and only then would I see the option. Now they finally tell the truth..." we have no idea, it was taken away to be updated and never returned."

Anyone here have any inside information with this one? I would really love to get rid of one of my CapOne cards but it's too valuable with age and limit.

Re: Capital One Combining Gone Forever ?

Anonymous — Tue, 07 Jul 2020 01:35:18 GMT

Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.

Re: Capital One Combining Gone Forever ?

FidelCashflow — Tue, 07 Jul 2020 01:40:26 GMT

That sucks... They are my oldest and largest at the moment so I am stuck with them for now.

Re: Capital One Combining Gone Forever ?

blindambition — Tue, 07 Jul 2020 01:47:03 GMT

@Anonymous wrote:
Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.

This is it in a nutshell! They don't pretend to be anything else. I feel for the reps. Most are friendly, but seem as confused as the customers they try to assist.

Re: Capital One Combining Gone Forever ?

AverageJoesCredit — Tue, 07 Jul 2020 01:56:29 GMT

@Anonymous wrote:
Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.

Lol, tell me again why everyone wants a Cap One card?

Re: Capital One Combining Gone Forever ?

AverageJoesCredit — Tue, 07 Jul 2020 01:58:24 GMT

@FidelCashflow wrote:
That sucks... They are my oldest and largest at the moment so I am stuck with them for now.

Stuck? Lol, closing a card that doesnt work for ya is easy as well....closing the card. #NavyRocks

Re: Capital One Combining Gone Forever ?

M_Smart007 — Tue, 07 Jul 2020 05:09:03 GMT

@Anonymous wrote:
Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.

@Anonymous, I tried to Kudo this several times

Re: Capital One Combining Gone Forever ?

RootDet — Tue, 07 Jul 2020 05:28:08 GMT

They have the Walmart card! Everbody loves Wamart

On a serious note, they did this to me long time ago. Back around 2011, they got rid of consolidation around the time I wanted to do it. Never realized they brought it back after the fact.

Re: Capital One Combining Gone Forever ?

notmyrealname23 — Tue, 07 Jul 2020 05:51:19 GMT

@AverageJoesCredit wrote:
@Anonymous wrote:
Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.
Lol, tell me again why everyone wants a Cap One card?

You mean like putting a 3% international transaction fee on their cards?

Oh, wait, sorry, I got Capital One confused with Chase Freedom and Citi Double Cash cards.

And yeah, it sucks that their Quicksilver is 1.5% cash back, so terrible- oh, wait, my bad, I mean the same as the Chase Freedom Unlimited. Or the BECU cashback card.

I'm not gonna argue they're perfect but I'd take a C1 QS card any day over a number of ones issued by my local credit unions (I actually checked, outside of BECU they're mostly hot garbage). The app is slick. The Venture isn't a bad premium travel card (it beats my CU's premium card around the head and shoulders).

myFico is full of nth degree optimizers who are all trying to push the edges so of course a card issuer that's just OK-ish is going to lose, but C1 is fine for what it is.

Re: Capital One Combining Gone Forever ?

ChargedUp — Tue, 07 Jul 2020 08:50:28 GMT

@notmyrealname23 wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:
Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.
Lol, tell me again why everyone wants a Cap One card?
You mean like putting a 3% international transaction fee on their cards?

Oh, wait, sorry, I got Capital One confused with Chase Freedom and Citi Double Cash cards.

And yeah, it sucks that their Quicksilver is 1.5% cash back, so terrible- oh, wait, my bad, I mean the same as the Chase Freedom Unlimited. Or the BECU cashback card.

I'm not gonna argue they're perfect but I'd take a C1 QS card any day over a number of ones issued by my local credit unions (I actually checked, outside of BECU they're mostly hot garbage). The app is slick. The Venture isn't a bad premium travel card (it beats my CU's premium card around the head and shoulders).

myFico is full of nth degree optimizers who are all trying to push the edges so of course a card issuer that's just OK-ish is going to lose, but C1 is fine for what it is.

If you don't travel internationally, there are tons of 1.5% cards besides QS (and BECU) that can be had with a single pull and will grow much easier with one's credit profile. For the international traveler, there's always the Paypal MC which covers all of the QS bases and does it at 2%.

Re: Capital One Combining Gone Forever ?

kdm31091 — Tue, 07 Jul 2020 10:10:49 GMT

For the general consumer the 3 pulls is probably not a big deal as they are not constantly applying for cards. I'm not a huge Capital One fan (just don't find any of their cards super attractive) but I don't think the triple pull is a big deal for the vast majority of the population. Most Capital One cards are IMO fairly average and you can get similar rewards on other cards, but it doesn't make them horrible.

As far as combining, I don't see it coming back. Again, the average customer isn't likely using the feature, and I think the only ones using it are creating huge limit cards that Capital One does not want to offer.

Re: Capital One Combining Gone Forever ?

notmyrealname23 — Tue, 07 Jul 2020 15:18:17 GMT

@ChargedUp wrote:
If you don't travel internationally, there are tons of 1.5% cards besides QS (and BECU) that can be had with a single pull and will grow much easier with one's credit profile. For the international traveler, there's always the Paypal MC which covers all of the QS bases and does it at 2%.

Right, but I do travel/spend internationally, and Synchrony has their own issues as an issuer (as in yanking CLs and closing down accounts, as you can see from the front page of this very forum).

My point is there are horses for courses, and many issuers and cards have their own quirks, upsides and downsides. One size doesn't fit all. One issuer may be a good fit for one person and not another. I'd agree with the post preceding mine that C1 is average-ish but not terrible- if you don't care about the triple pull, combining cards, etc (classic "I'm playing the myFico game at high level" stuff that 90%+ won't remotely care about). I didn't care about a triple pull because I'm in post--Ch. 13 rebuild anyways, and Chase/Citi/US Banks/Wells Fargo/conservative-ish underwriting where i am a new guy walking in off the street won't touch me until the BK falls off in two years. A subprime lender and extra red marks on applications is fine.

(FWIW, Synchrony rejected me early on, C1 took me, presumably because I had past history with C1 up until my Ch. 13 and a perfect payment record. The PPMC in my profile is very recent.)

Re: Capital One Combining Gone Forever ?

chuckwood — Tue, 07 Jul 2020 21:59:11 GMT

Some may think capital one sucks for various reasons but capital one likes spend on there cards, always works, does not get skittish when the economy sucks and will not close your account just because they feel the urge. a.k.a. synchrony. They may not be the best but there is alot worse out there.

Re: Capital One Combining Gone Forever ?

blindambition — Wed, 08 Jul 2020 15:19:55 GMT

@notmyrealname23 wrote:
@ChargedUp wrote:
If you don't travel internationally, there are tons of 1.5% cards besides QS (and BECU) that can be had with a single pull and will grow much easier with one's credit profile. For the international traveler, there's always the Paypal MC which covers all of the QS bases and does it at 2%.
Right, but I do travel/spend internationally, and Synchrony has their own issues as an issuer (as in yanking CLs and closing down accounts, as you can see from the front page of this very forum).

My point is there are horses for courses, and many issuers and cards have their own quirks, upsides and downsides. One size doesn't fit all. One issuer may be a good fit for one person and not another. I'd agree with the post preceding mine that C1 is average-ish but not terrible- if you don't care about the triple pull, combining cards, etc (classic "I'm playing the myFico game at high level" stuff that 90%+ won't remotely care about). I didn't care about a triple pull because I'm in post--Ch. 13 rebuild anyways, and Chase/Citi/US Banks/Wells Fargo/conservative-ish underwriting where i am a new guy walking in off the street won't touch me until the BK falls off in two years. A subprime lender and extra red marks on applications is fine.

(FWIW, Synchrony rejected me early on, C1 took me, presumably because I had past history with C1 up until my Ch. 13 and a perfect payment record. The PPMC in my profile is very recent.)

I would definitely have a backup if traveling internationally with Sync. Takes only one swipe to see you've been shutdown. 😂

Re: Capital One Combining Gone Forever ?

FidelCashflow — Wed, 08 Jul 2020 15:34:47 GMT

@notmyrealname23 wrote:
@AverageJoesCredit wrote:
@Anonymous wrote:
Card combination went away over a year ago. The CSRs likely don't know anything more than we do about it returning. CapOne seems to like to do things that are counterproductive for borrowers (no combinations, no limit reallocations, big spend for crappy CLIs, inferior rewards, prequals only for subprime cards, triple HPs for cards that aren't anything special, etc) so I'd be surprised if it did come back.
Lol, tell me again why everyone wants a Cap One card?
You mean like putting a 3% international transaction fee on their cards?

Oh, wait, sorry, I got Capital One confused with Chase Freedom and Citi Double Cash cards.

And yeah, it sucks that their Quicksilver is 1.5% cash back, so terrible- oh, wait, my bad, I mean the same as the Chase Freedom Unlimited. Or the BECU cashback card.

I'm not gonna argue they're perfect but I'd take a C1 QS card any day over a number of ones issued by my local credit unions (I actually checked, outside of BECU they're mostly hot garbage). The app is slick. The Venture isn't a bad premium travel card (it beats my CU's premium card around the head and shoulders).

myFico is full of nth degree optimizers who are all trying to push the edges so of course a card issuer that's just OK-ish is going to lose, but C1 is fine for what it is.

Haha no hold on, let me clarify. So I just got the Navy with a great APR and I know based on everyone here that it will grow quite large. That being said I don't NEED the QS any longer but I don't want to just throw the limit away, it's pretty decent for my profile $7500. CapOne held me down back when I was trapped in SL hell, so they will always have a special place in my heart (wallet)!

Re: Capital One Combining Gone Forever ?

Anonymous — Wed, 08 Jul 2020 15:58:33 GMT

I hope they bring combining back by January. Otherwise I'll just have to cancel one.

Re: Capital One Combining Gone Forever ?

blindambition — Wed, 08 Jul 2020 16:04:36 GMT

@Anonymous wrote:
I hope they bring combining back by January. Otherwise I'll just have to cancel one.

Prepare to close it then. With all the current uncertainty, it's a long shot that CO will be changing current processes. Especially while managing risk through COVID.

Re: Capital One Combining Gone Forever ?

notmyrealname23 — Wed, 08 Jul 2020 20:09:00 GMT

@blindambition wrote:
@notmyrealname23 wrote:
@ChargedUp wrote:
If you don't travel internationally, there are tons of 1.5% cards besides QS (and BECU) that can be had with a single pull and will grow much easier with one's credit profile. For the international traveler, there's always the Paypal MC which covers all of the QS bases and does it at 2%.
Right, but I do travel/spend internationally, and Synchrony has their own issues as an issuer (as in yanking CLs and closing down accounts, as you can see from the front page of this very forum).

My point is there are horses for courses, and many issuers and cards have their own quirks, upsides and downsides. One size doesn't fit all. One issuer may be a good fit for one person and not another. I'd agree with the post preceding mine that C1 is average-ish but not terrible- if you don't care about the triple pull, combining cards, etc (classic "I'm playing the myFico game at high level" stuff that 90%+ won't remotely care about). I didn't care about a triple pull because I'm in post--Ch. 13 rebuild anyways, and Chase/Citi/US Banks/Wells Fargo/conservative-ish underwriting where i am a new guy walking in off the street won't touch me until the BK falls off in two years. A subprime lender and extra red marks on applications is fine.

(FWIW, Synchrony rejected me early on, C1 took me, presumably because I had past history with C1 up until my Ch. 13 and a perfect payment record. The PPMC in my profile is very recent.)
I would definitely have a backup if traveling internationally with Sync. Takes only one swipe to see you've been shutdown. 😂

That's the idea; if C1 really isn't ever going to combine limits ever that kind of means I have to carry two C1 cards for the moment. At some point ,once I can get the Chase/WF/Citi/BofA/US Bank stuff and can continue to diversify lenders/tweak my card set like myFICOers do , I'll shut one down and have the option to come back for another Venture SUB or something.

I'm still looking for a 2% CB no-FTF, no-AF, no "please join our CU and keep $500 on deposit or direct deposit", no "we'll close you account at a drop of a hat" unicorn- PPMC is closest to what I want at the moment, and my plans are not to start trying for huge CLs with them- my current CL of $6400 would work just fine for what I want indefinitely (I can put USD spend on a DIFFERENT 2% card, my Fidelity Visa, which is a forever card for me).

Re: Capital One Combining Gone Forever ?

ChargedUp — Thu, 09 Jul 2020 11:33:20 GMT

@blindambition wrote:
@notmyrealname23 wrote:
@ChargedUp wrote:
If you don't travel internationally, there are tons of 1.5% cards besides QS (and BECU) that can be had with a single pull and will grow much easier with one's credit profile. For the international traveler, there's always the Paypal MC which covers all of the QS bases and does it at 2%.
Right, but I do travel/spend internationally, and Synchrony has their own issues as an issuer (as in yanking CLs and closing down accounts, as you can see from the front page of this very forum).

My point is there are horses for courses, and many issuers and cards have their own quirks, upsides and downsides. One size doesn't fit all. One issuer may be a good fit for one person and not another. I'd agree with the post preceding mine that C1 is average-ish but not terrible- if you don't care about the triple pull, combining cards, etc (classic "I'm playing the myFico game at high level" stuff that 90%+ won't remotely care about). I didn't care about a triple pull because I'm in post--Ch. 13 rebuild anyways, and Chase/Citi/US Banks/Wells Fargo/conservative-ish underwriting where i am a new guy walking in off the street won't touch me until the BK falls off in two years. A subprime lender and extra red marks on applications is fine.

(FWIW, Synchrony rejected me early on, C1 took me, presumably because I had past history with C1 up until my Ch. 13 and a perfect payment record. The PPMC in my profile is very recent.)
I would definitely have a backup if traveling internationally with Sync. Takes only one swipe to see you've been shutdown. 😂

I wouldn't count on Synch to be around even for domestic travel, but the card product does exist. Synch does tend to let people with less than perfect credit in the door (I don't think any lender is especially BK friendly ATM) so I was comparing apples to apples. Cap One does tend to be solid for dependability, but how many people are getting AA on $3500 CL's sans recent derog's from any lender? This is about where the bucketed cards begin to stall out most of the time from what I've read on here.

Everyone's needs and profiles are different. If Cap One works well enough for you, then it's good that you have that relationship with them. They do work for some people. You have a great set of cards and CL's you're building with right now. Congrats on that note!