topic Re: Capital One combining limits in Credit Cards

Capital One combining limits

Creditjunky37 — Fri, 22 Apr 2022 04:25:03 GMT

Hi Everyone,

I have a Platinum card that I don't have too much use for anymore and am wondering if I can move it's limit over to my Walmart MC? Is this something they would do?
I would get much more use of that card and rewards than the boring platinum.

thanks in advance for your thoughts

Re: Capital One combining limits

FinStar — Fri, 22 Apr 2022 04:27:09 GMT

@Creditjunky37 wrote:
Hi Everyone,

I have a Platinum card that I don't have too much use for anymore and am wondering if I can move it's limit over to my Walmart MC? Is this something they would do?
I would get much more use of that card and rewards than the boring platinum.

thanks in advance for your thoughts

Unfortunately, Capital One no longer combines accounts or limits.

Re: Capital One combining limits

SUPERSQUID — Fri, 22 Apr 2022 04:45:39 GMT

Have you considered upgrading the platinum to a quicksilver? 1.5 pct cb aint bad, i use mine a lot.

I know there is a thread somewhere on the forum that tells you how to check if you are eligible for the upgrade.

From memory i think first log into your account and in the address bar type /productupgrade.

i could be a little off, maybe someone else will chime in.

Re: Capital One combining limits

Creditjunky37 — Fri, 22 Apr 2022 04:52:42 GMT

@SUPERSQUID wrote:
Have you considered upgrading the platinum to a quicksilver? 1.5 pct cb aint bad, i use mine a lot.
I know there is a thread somewhere on the forum that tells you how to check if you are eligible for the upgrade.

From memory i think first log into your account and in the address bar type /productupgrade.
i could be a little off, maybe someone else will chime in.

You know, I actually haven't considered upgrading. Really only because I recently paid off my accounts and I would like to close some accounts that are not too old, not very high in their limit and not that important. During my rebuilding period, I was opening anything that was approving me. Just because it felt good to see that " You're Approved " message.

Now it's time to keep my most beneficial cards and longest open. I don't need accounts like JCrew, the platinum, or JCPenny. I also have a Mission Lane with no AF, but I just feel I outgrew it.
I have a Navy Federal Cash Rewards for the 1.5 cash back. Also worried about charging more than I can pay off within the month.

Re: Capital One combining limits

SUPERSQUID — Fri, 22 Apr 2022 05:05:14 GMT

I am in a similar boat as you concerning my collection of cards. i got into a really nice tier of cards for my last 5, savor one, penfed pcr, navy cr, comenity rewards mc, and discover. i have been closing my older cards one at a time, this month i closed fingerhut. im only interested in keeping 2 of my oldest cards, target and kohls.

The rest i will slowly and gradually close, most of them are zero bal and i really dont use them.

PS, i think you can also call cap 1 and see if you are eligible for an upgrade to the QS.

Re: Capital One combining limits

Creditjunky37 — Fri, 22 Apr 2022 05:08:20 GMT

@SUPERSQUID wrote:
I am in a similar boat as you concerning my collection of cards. i got into a really nice tier of cards for my last 5, savor one, penfed pcr, navy cr, comenity rewards mc, and discover. i have been closing my older cards one at a time, this month i closed fingerhut. im only interested in keeping 2 of my oldest cards, target and kohls.
The rest i will slowly and gradually close, most of them are zero bal and i really dont use them

Yes.

My oldest after BK in 2009, is a Credit Union my friend works at and pushed through for me at the time. It has grown and been good to me, but no perks. I won't close as it has perfect payment history since 09. I only use a few times a year. But I love Navy and my Hilton Aspire and Apple Card's. Nordstrom and Macys are my fav retail cards, kohls I have as it has been around for awhile and I am trying to get a secured BofA card to graduate after many years.

Citi Custom Cash is the last card I would like to add to my collection. But I'm worried I would get a small SL, so I'm holding off for mid 700 scores.

Re: Capital One combining limits

SUPERSQUID — Fri, 22 Apr 2022 05:14:07 GMT

@Creditjunky37 wrote:
@SUPERSQUID wrote:
I am in a similar boat as you concerning my collection of cards. i got into a really nice tier of cards for my last 5, savor one, penfed pcr, navy cr, comenity rewards mc, and discover. i have been closing my older cards one at a time, this month i closed fingerhut. im only interested in keeping 2 of my oldest cards, target and kohls.
The rest i will slowly and gradually close, most of them are zero bal and i really dont use them
Yes.
My oldest after BK in 2009, is a Credit Union my friend works at and pushed through for me at the time. It has grown and been good to me, but no perks. I won't close as it has perfect payment history since 09. I only use a few times a year. But I love Navy and my Hilton Aspire and Apple Card's. Nordstrom and Macys are my fav retail cards, kohls I have as it has been around for awhile and I am trying to get a secured BofA card to graduate after many years.
Citi Custom Cash is the last card I would like to add to my collection. But I'm worried I would get a small SL, so I'm holding off for mid 700 scores.

Have you asked for a cli on the kohls card lately? you can ask about every 6 months and it can grow as high as 3k. they do expect some spend but i use mine for moderate to small purchases and grew it from 300 sl - 1500 in 14 months.

300-700-1500

Re: Capital One combining limits

Creditjunky37 — Fri, 22 Apr 2022 05:19:40 GMT

@SUPERSQUID wrote:
@Creditjunky37 wrote:
@SUPERSQUID wrote:
I am in a similar boat as you concerning my collection of cards. i got into a really nice tier of cards for my last 5, savor one, penfed pcr, navy cr, comenity rewards mc, and discover. i have been closing my older cards one at a time, this month i closed fingerhut. im only interested in keeping 2 of my oldest cards, target and kohls.
The rest i will slowly and gradually close, most of them are zero bal and i really dont use them
Yes.
My oldest after BK in 2009, is a Credit Union my friend works at and pushed through for me at the time. It has grown and been good to me, but no perks. I won't close as it has perfect payment history since 09. I only use a few times a year. But I love Navy and my Hilton Aspire and Apple Card's. Nordstrom and Macys are my fav retail cards, kohls I have as it has been around for awhile and I am trying to get a secured BofA card to graduate after many years.
Citi Custom Cash is the last card I would like to add to my collection. But I'm worried I would get a small SL, so I'm holding off for mid 700 scores.
Have you asked for a cli on the kohls card lately? you can ask about every 6 months and it can grow as high as 3k. they do expect some spend but i use mine for moderate to small purchases and grew it from 300 sl - 1500 in 14 months.
300-700-1500

My Kohls is at 2500. Been there for about a year. I haven't used it since November for Christmas. Paid it off by January, sitting since then.
I will consider Cap One upgrade. I've only had the card for maybe a year? Has 3,000 limit. Was late night when I applied with their pre qual. Figured I could dump as it shouldn't affect my AAoA

Re: Capital One combining limits

Anonymous — Sat, 06 Aug 2022 03:48:44 GMT

@FinStar wrote:
@Creditjunky37 wrote:
Hi Everyone,

I have a Platinum card that I don't have too much use for anymore and am wondering if I can move it's limit over to my Walmart MC? Is this something they would do?
I would get much more use of that card and rewards than the boring platinum.

thanks in advance for your thoughts
Unfortunately, Capital One no longer combines accounts or limits.

This is so sad. Just thought about it, combining CO secured Plat with CO SO