topic Re: Can you combine two Cap1 cards? in Credit Cards

Can you combine two Cap1 cards?

Srivera718 — Sat, 30 Apr 2022 20:53:27 GMT

So I have a Cap1 Quicksilver and Savor card.

My Quicksilver is over two years old and the Savor just hit a year. They'll both be paid off in full next month when my cycle closes. The APR on the Quicksilver is higher than the Savor and the Savor has better cashback options. Is it possible to combine the Quicksilver and CL with the Savor card?

Re: Can you combine two Cap1 cards?

FinStar — Sat, 30 Apr 2022 21:01:55 GMT

@Srivera718 wrote:
So I have a Cap1 Quicksilver and Savor card.
My Quicksilver is over two years old and the Savor just hit a year. They'll both be paid off in full next month when my cycle closes. The APR on the Quicksilver is higher than the Savor and the Savor has better cashback options. Is it possible to combine the Quicksilver and CL with the Savor card?

Unfortunately, no. The account/CL combination feature was discontinued by Capital One several years ago.

Re: Can you combine two Cap1 cards?

Srivera718 — Sat, 30 Apr 2022 22:20:02 GMT

I thought so reading up on the forum. Are they any cards that still offer that?

Re: Can you combine two Cap1 cards?

FinStar — Sat, 30 Apr 2022 22:25:19 GMT

@Srivera718 wrote:
I thought so reading up on the forum. Are they any cards that still offer that?

Chase, Barclays, American Express, Discover (based on CLI eligibility criteria), Bank of America, Wells Fargo, NFCU (typically when a BT is processed), FNBO (accounts have to meet specific eligibility criteria) and I'm sure I'm forgetting some.

Re: Can you combine two Cap1 cards?

Srivera718 — Sat, 30 Apr 2022 22:56:54 GMT

So everyone except Cap1 lol. Got it. Thanks

Re: Can you combine two Cap1 cards?

FinStar — Sat, 30 Apr 2022 23:04:00 GMT

@Srivera718 wrote:
So everyone except Cap1 lol. Got it. Thanks

Well, I wouldn't go as far as "everyone". Those are some of the top ones that have been known to do so. But, by and large, SYNCB, Comenity, Fifth Third, PenFed, TRUIST, BMO Harris, PNC, US Bank, USAA, etc., do not have that option either.

Re: Can you combine two Cap1 cards?

PlatinumCredit — Sun, 01 May 2022 23:21:01 GMT

@Srivera718 Capital one hasn't allowed you to merge two cards in years. I merged my journey card and quicksilver card to make my total credit line 7k...that was back in 2014. I have not been able to get a increase on the card every since. I had a capital one platinum (the old one that charged a 3.00 membership fee) and I couldn't merge that with my quicksilver or do a product change so I closed the account. I am left with only one card with capital and don't think I will be going for any of their products going forward. I been a capital one user for the last 15 years, and I can honestly say they don't do anything for me haha. :-)

Re: Can you combine two Cap1 cards?

Srivera718 — Sun, 01 May 2022 23:26:54 GMT

Yeah. I think once my cards after I pay them off this month I may sockdrawer them and focus on other cards. The Savor is nice with the cashback but plenty of cards can take it's spot.

Cap1 cards

Srivera718 — Tue, 03 May 2022 22:52:41 GMT

So recently on the forum I asked and learned that you cannot combine 2 Cap1 cards anymore. I have a Quicksilver and a Savor card and I know you can only have two cards with Cap1. I'm not really using the Quicksilver anymore, which was the card I wanted to combine with the Savor but can't, so if I wanted to replace it with the Venture do I just apply for the Venture or call to change the Quicksilver if approved for the Venture?

Re: Cap1 cards

SoCalGardener — Tue, 03 May 2022 23:06:47 GMT

@Srivera718 wrote:
So recently on the forum I asked and learned that you cannot combine 2 Cap1 cards anymore. I have a Quicksilver and a Savor card and I know you can only have two cards with Cap1. I'm not really using the Quicksilver anymore, which was the card I wanted to combine with the Savor but can't, so if I wanted to replace it with the Venture do I just apply for the Venture or call to change the Quicksilver if approved for the Venture?

The card limit seems to vary by customer. I have three cards with Cap1, but cannot add any more (not that I want to!). FWIW, none of my cards started as a sub-prime or secured card. Other people have reported other results. You could just go to the Cap1 page to apply for the Venture card, and see what happens. If, like me, you're not eligible for another card, it'll tell you right there before letting you proceed with applying. Or you could call and ask.