topic Re: When should I combine Capital One Cards? in Credit Cards

When should I combine Capital One Cards?

E36 — Sat, 21 Feb 2026 23:03:03 GMT

Hi everyone I have 2 Capital One Cards

March 2024 Savor - $4,500 (almost 2 years old)
July 2025 Quicksilver - $6,000 (7 months old)

Long term, I'd like to cancel my Quicksilver, but before I do that, I can move up to $5,500 credit limit to Savor.

I opened Savor (SavorOne) in March 2024 SL $3,000L
They auto CLI from $4,500 before the one year anniversary. (March 2025)
CapitalOne has denied my manual CLI for Savor. (January 2025)

My monthly spend is around $500 spend on this, so it may not grow. (I heard you should have big spend on this card.
It may not grow especially if I increase the CL to $10K from transfering if it seems underutilized.

My plan is to wait a couple months (2nd year anniversary) to see if there will be another auto CLI, if not transfer CL from Quicksilver to Savor.

My questions are:

1 . How much of CL should I transfer from Quicksilver?
The highest balance is $1,364. I currently keep a zero balance on here. If I transfer $5,500, the new Limit will be $500.

Will it reflect poorly on my Credit Report?
CL: $500
Highest Balance $1,364

2. When should I transfer CL from Quicksilver? Should I try to keep growing Savor before I transfer CL?
Should I transfer CL before Quick Silver 1 year anniversary or wait?

3. After transfer CL, should I keep Quicksilver open? Or when can I close it? It's less than 7 months year old. Will it look bad that it looks like I opened the card, collected the SUB, took advantage of 0% APR, then closed the card. Or should I keep it open for a couple years? (Maybe this affects how much limit I should leave on the card) When is the soonest I can close it.

If you need more data, please let me know. A lot of it is in my signature.

Re: When should I combine Capital One Cards?

NoMoreE46 — Sun, 22 Feb 2026 00:53:52 GMT

@E36 wrote:
Hi everyone I have 2 Capital One Cards
March 2024 Savor - $4,500 (almost 2 years old)
July 2025 Quicksilver - $6,000 (7 months old)

Long term, I'd like to cancel my Quicksilver, but before I do that, I can move up to $5,500 credit limit to Savor.

I opened Savor (SavorOne) in March 2024 SL $3,000L
They auto CLI from $4,500 before the one year anniversary. (March 2025)
CapitalOne has denied my manual CLI for Savor. (January 2025)

My monthly spend is around $500 spend on this, so it may not grow. (I heard you should have big spend on this card.
It may not grow especially if I increase the CL to $10K from transfering if it seems underutilized.

My plan is to wait a couple months (2nd year anniversary) to see if there will be another auto CLI, if not transfer CL from Quicksilver to Savor.

My questions are:

1 . How much of CL should I transfer from Quicksilver?
The highest balance is $1,364. I currently keep a zero balance on here. If I transfer $5,500, the new Limit will be $500.
Will it reflect poorly on my Credit Report?
CL: $500
Highest Balance $1,364

2. When should I transfer CL from Quicksilver? Should I try to keep growing Savor before I transfer CL?
Should I transfer CL before Quick Silver 1 year anniversary or wait?

3. After transfer CL, should I keep Quicksilver open? Or when can I close it? It's less than 7 months year old. Will it look bad that it looks like I opened the card, collected the SUB, took advantage of 0% APR, then closed the card. Or should I keep it open for a couple years? (Maybe this affects how much limit I should leave on the card) When is the soonest I can close it.

If you need more data, please let me know. A lot of it is in my signature.

If your plan to is eventually close the QS, then I would transfer the CL now to the Savor as these offers are fleeting.

A $500 CL at the surface level isnt deemed to be bad perse. Keep the QS open if it isnt too much of a burden. If you got a SUB, ask them first about the fineprint, which may require this card be kept open for a certain timeframe to avoid clawback.

As far as underutilizing the $10,000 Savor limit, I wouldnt stress about it. COF sends a notice that it may cut your line (if you dont opt out of this cut.) I have opted out of the CLD (three times so far) and have kept my $46,000 CL on < $1,000 monthly spend.

Re: When should I combine Capital One Cards?

FicoMike0 — Sun, 22 Feb 2026 04:11:00 GMT

I think I'd wait until the qs is a year old. Then transfer the c l and close it. I don't see much use for qs.

Re: When should I combine Capital One Cards?

E36 — Sun, 22 Feb 2026 04:52:31 GMT

@FicoMike0 wrote:
I think I'd wait until the qs is a year old. Then transfer the c l and close it. I don't see much use for qs.

Can I transfer the CL asap, then cancel at after a year mark?

Re: When should I combine Capital One Cards?

NoMoreE46 — Thu, 26 Feb 2026 01:13:13 GMT

Yes.

@E36 wrote:
@FicoMike0 wrote:
I think I'd wait until the qs is a year old. Then transfer the c l and close it. I don't see much use for qs.

Can I transfer the CL asap, then cancel at after a year mark?

Re: When should I combine Capital One Cards?

Thomas_Thumb — Thu, 26 Feb 2026 16:18:17 GMT

This thread should be moved to the credit card forums.

Re: When should I combine Capital One Cards?

pizzadude — Thu, 26 Feb 2026 16:25:40 GMT

Moved to Credit Cards