topic Re: Capital one How many cards can you have? in Credit Cards

Capital one How many cards can you have?

littlesister — Thu, 01 Mar 2012 15:35:31 GMT

I just called them and asked if I could pc either of my current cards and was told no. I was told they are at there max and his advice since my credit is great now to apply for a better card. I thought you could only have 2 cards and he said no, there is no limit.

Is this correct? No way am I taking 3 hp for capital one

Re: Capital one How many cards can you have?

corymcd88 — Thu, 01 Mar 2012 16:09:27 GMT

@tfry wrote:
I just called them and asked if I could pc either of my current cards and was told no. I was told they are at there max and his advice since my credit is great now to apply for a better card. I thought you could only have 2 cards and he said no, there is no limit.
Is this correct? No way am I taking 3 hp for capital one

You can only have two. I tryed to apply for a new account and they said you can only have two.

Re: Capital one How many cards can you have?

CreditCrusader — Thu, 01 Mar 2012 16:11:02 GMT

@corymcd88 wrote:
@tfry wrote:
I just called them and asked if I could pc either of my current cards and was told no. I was told they are at there max and his advice since my credit is great now to apply for a better card. I thought you could only have 2 cards and he said no, there is no limit.
Is this correct? No way am I taking 3 hp for capital one
You can only have two. I tryed to apply for a new account and they said you can only have two.

They won't even give me the 2nd

Re: Capital one How many cards can you have?

mAndrew1980 — Thu, 01 Mar 2012 16:15:03 GMT

I have two cap1 cards and it's two too many lol.

Re: Capital one How many cards can you have?

aussiesareforever — Thu, 01 Mar 2012 16:34:19 GMT

Another post that shows the Capital One customer service reps dont have a clue what is going on. Or they like to say whatever they like.

I agree with the OP. Since your scores are better, I won't take 3 HPs for another Capital One card. Go venture elsewhere!!!

Re: Capital one How many cards can you have?

Anonymous — Thu, 01 Mar 2012 16:48:56 GMT

Does a Capital 1 sony card count towards the cap?

Re: Capital one How many cards can you have?

MarcinXP — Thu, 01 Mar 2012 17:04:23 GMT

I think their policy is you can have as many Capital One products as you want, however it varies by product and things like that.

For example you can have a CAP1 NHRC or Green Cash that they have not, but you can't have another one of those...you can have a CAP1 platinum card on top of that one and that is the limit.

You can have a sony CapOne on top of those 2 and Kohl's Capone card as well. When BBRZ card comes aboard to capone you can have that too making 5 cards.

It cannot be within the same family, but you can have a lot more than 2 from CAPONE

Re: Capital one How many cards can you have?

Anonymous — Thu, 01 Mar 2012 18:12:08 GMT

I just called the backdoor number at CapOne regarding my account and during the conversation I asked the account specialist if there was a limit to the amount of cards you can have with CapOne, and she told me that she has worked there for 8 years and never heard about any limits on the amount of cards you can have. She just helped an account holder with his account and he had 5 CapOne cards, so I definitely agree with MarcinXP having just spoke with an accounts specialist (not just a basic CSR) I believe it depends on the card type as explained in the above thread.

Re: Capital one How many cards can you have?

Anonymous — Thu, 01 Mar 2012 20:31:17 GMT

Until I canceled one a few weeks ago, I had 3 Cap 1 accounts.

Re: Capital one How many cards can you have?

bichonmom — Thu, 01 Mar 2012 21:15:24 GMT

They only allow 2 Cap Ones, not including the co-branded cards. Their CS reps are notorious for giving erroneous information. If you have 2 psnl cards with them and app for a 3rd, they will reportedly deny your app and not do any HP.

Re: Capital one How many cards can you have?

Anonymous — Thu, 01 Mar 2012 22:16:08 GMT

@bichonmom wrote:
They only allow 2 Cap Ones, not including the co-branded cards. Their CS reps are notorious for giving erroneous information. If you have 2 psnl cards with them and app for a 3rd, they will reportedly deny your app and not do any HP.

So to get a venture I would need to close one of my cash rewards cards correct? I have 2 cash reward cards and 1 sony card

Re: Capital one How many cards can you have?

getmycreditright — Thu, 01 Mar 2012 22:29:24 GMT

Why don't they let you merge the two cards together? I have two accounts with them, but I don't wanna manage two accounts for measly credit lines of $750 & $500. It's not like their exposure would change or anything. Ugh.

Re: Capital one How many cards can you have?

UpNComing — Thu, 01 Mar 2012 22:36:04 GMT

I already have the Platinum MC, just got the Green Cash and Kohls.

Re: Capital one How many cards can you have?

Moes — Thu, 01 Mar 2012 23:35:17 GMT

I have the cash rewards and platinum cards. I went on their site to see if I prequalified for another card but only the two I have came up. I decided to apply for their MTV visa since I need a visa. Instantly approved for $1000, now I can shred my orchard bank card which is stuck at $300!

Re: Capital one How many cards can you have?

Anonymous — Thu, 01 Mar 2012 23:51:44 GMT

Store (including cobranded) are generally not included in these arbitrary counts. The stores would not allow the bank to deny credit to a good customer because they have another account.

Re: Capital one How many cards can you have?

Anonymous — Thu, 01 Mar 2012 23:54:40 GMT

Again, like I posted earlier, I had 3 accounts with Capital One up until 3 weeks ago. I had a No Hassle Rewards Platinum, MTV, and Cash Rewards. I'm not sure where this supposed 2 card limit is coming from.

Re: Capital one How many cards can you have?

Anonymous — Fri, 02 Mar 2012 00:08:22 GMT

@Anonymous wrote:
Again, like I posted earlier, I had 3 accounts with Capital One up until 3 weeks ago. I had a No Hassle Rewards Platinum, MTV, and Cash Rewards. I'm not sure where this supposed 2 card limit is coming from.

The MTV does not count in the 2 card limit. It is a cobranded store card.

Re: Capital one How many cards can you have?

Anonymous — Fri, 02 Mar 2012 00:10:57 GMT

we have a world mastercard + a venture card + 2 other random cards which they refuse to merge and have not been used in years.

Re: Capital one How many cards can you have?

Anonymous — Fri, 02 Mar 2012 00:12:26 GMT

@Anonymous wrote:
we have a world mastercard + a venture card + 2 other random cards which they refuse to merge and have not been used in years.

What's a random card. Pick them from a big deck of CC?

Re: Capital one How many cards can you have?

Anonymous — Fri, 02 Mar 2012 00:27:03 GMT

honestly i don't even know what it is, cash rewards maybe? I've had them both since 2004, never changed the limit and never merged them.