topic Re: Capital one (same card) in Credit Cards

Capital one (same card)

Beulaensarangdi — Tue, 14 Feb 2023 21:16:46 GMT

Maybe I searched incorrectly, but I didn't see anything asking this, so here goes.

Simple question - can you have 2 of the same exact card with Capital One?

Wondering because I currently have the SavorOne, but likely bucketed with just a $300 limit, but when I run the preapproval - it shows the Quicksilver and/or SavorOne as options (the "for good credit" versions)

Thanks for any insight - as always!!

Re: Capital one (same card)

FireMedic1 — Wed, 15 Feb 2023 09:37:36 GMT

"Capital One will allow you to have only two of its personal credit cards open at once as of 01/23. This is a hard rule and cannot be overridden. This does not apply to Capital One's co-branded store cards". Look for a better card and avoid the triple pull. Once more cards come in. You cancel and re-apply one day. You dont want two bucket cards.

https://www.forbes.com/advisor/credit-cards/capital-one-application-and-welcome-bonus-rules/

Re: Capital one (same card)

Anonymous — Wed, 15 Feb 2023 00:06:01 GMT

@Beulaensarangdi wrote:
Maybe I searched incorrectly, but I didn't see anything asking this, so here goes.

Simple question - can you have 2 of the same exact card with Capital One?

Wondering because I currently have the SavorOne, but likely bucketed with just a $300 limit, but when I run the preapproval - it shows the Quicksilver and/or SavorOne as options (the "for good credit" versions)

Thanks for any insight - as always!!

I had two quicksilvers but they were auto-PCs from other cards over time, so not quite the same as apping for one.

Re: Capital one (same card)

Zoostation1 — Wed, 15 Feb 2023 03:07:03 GMT

@FireMedic1 wrote:
Capital One will allow you to have only two of its personal credit cards open at once as of 01/23. This is a hard rule and cannot be overridden. This does not apply to Capital One's co-branded store cards. Look for a better card and avoid the triple pull. Once more cards come in. You cancel and re-apply one day.

I've seen a couple other posts mention the 2 card limit within the last few months so I guess if there is hard limit at 2 that means either the CSRs don't know what they're talking about or they lied to me when I called in and told me it's credit profile dependent.

Re: Capital one (same card)

FireMedic1 — Wed, 15 Feb 2023 09:39:59 GMT

@Zoostation1 wrote:
@FireMedic1 wrote:
Capital One will allow you to have only two of its personal credit cards open at once as of 01/23. This is a hard rule and cannot be overridden. This does not apply to Capital One's co-branded store cards. Look for a better card and avoid the triple pull. Once more cards come in. You cancel and re-apply one day.
I've seen a couple other posts mention the 2 card limit within the last few months so I guess if there is hard limit at 2 that means either the CSRs don't know what they're talking about or they lied to me when I called in and told me it's credit profile dependent.

Its been as high as 5 yrs ago. All this talk 2 and 3. Bucket cards have been 2 for a while. Went to look for the answer. Forgot the add the link above. Edited.

Re: Capital one (same card)

md_rebuild — Wed, 15 Feb 2023 16:37:08 GMT

I have 2 QS that I got within a year of my BK7. I'm pretty sure they're both bucketed (3K and 5.5K). I also app'd and got a Savor about a week ago (3K limit). So I think it's profile dependent.

I'm going to use the Savor for the sub ($3,000 in spend gets you $300), but after that it's sock-drawered.