topic Re: Capital One said no to merging two cards in Credit Cards

Capital One said no to merging two cards

Anonymous — Fri, 09 Aug 2013 08:37:35 GMT

I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card

Re: Capital One said no to merging two cards

pt310 — Fri, 09 Aug 2013 11:46:44 GMT

@Anonymous wrote:
I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card

They gave me the same answer a month or two ago when I asked about combining cards. I know have 4 with them since the HSBC changeover.

You're right. It doesn't make any sense.

Re: Capital One said no to merging two cards

missjae — Fri, 09 Aug 2013 12:22:21 GMT

I was told the same thing. I hate having to manage cards that look alike, so I haven't been using them.

Re: Capital One said no to merging two cards

myjourney — Fri, 09 Aug 2013 13:15:45 GMT

Yes unfortunately CAP1 does not merge cards or allow moving limits around

Re: Capital One said no to merging two cards

TG76 — Fri, 09 Aug 2013 13:42:47 GMT

@pt310 wrote:
@Anonymous wrote:
I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card
They gave me the same answer a month or two ago when I asked about combining cards. I know have 4 with them since the HSBC changeover.

You're right. It doesn't make any sense.

I had the same Response from them, They said no to Merging, No to CLI, No to PCing the Cards to something with no AF, They did however waived the AF for the year, but ultimately I closed them both. IMHO they are good to rebuild but once you are past that stage, you should move on. I fortunately have some good cards now and very low Utilization so I closed them both. Felt great by the way

Re: Capital One said no to merging two cards

pt310 — Fri, 09 Aug 2013 13:50:02 GMT

@TG76 wrote:
@pt310 wrote:
@Anonymous wrote:
I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card
They gave me the same answer a month or two ago when I asked about combining cards. I know have 4 with them since the HSBC changeover.

You're right. It doesn't make any sense.
I had the same Response from them, They said no to Merging, No to CLI, No to PCing the Cards to something with no AF, They did however waived the AF for the year, but ultimately I closed them both. IMHO they are good to rebuild but once you are past that stage, you should move on. I fortunately have some good cards now and very low Utilization so I closed them both. Felt great by the way

I also had the AF's waived for this year, but they did actually give me CLI's (one account had been stuck for 6 years!)

Haven't tried to PC yet, but that's next on my garden to-do list. I just have to figure out which one I want to keep - if any. I'm planning on closing at least 2, maybe 3. Will be nice to get rid of them, I bet it did feel great. I'm looking forward to that myselft!

Re: Capital One said no to merging two cards

Anonymous — Fri, 09 Aug 2013 14:09:08 GMT

I was very disappointed on learning this as well. I really don't need 2 CapOne cards, but even when I told them what I had wanted at opening and how I ended up with two cards after the PC rep told me I would get denied the second card, I still wasn't allowed to combine the two cards. Only good thing is that the same pull was used for both cards somehow. So I'm just playing the two cards off another (2% on travel for NC, 1.5% on everything QS) and will combine the cash back - since I can at least do that - to gain benefits while I work my way to better cards.

Re: Capital One said no to merging two cards

TG76 — Fri, 09 Aug 2013 14:21:07 GMT

@pt310 wrote:
@TG76 wrote:
@pt310 wrote:
@Anonymous wrote:
I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card
They gave me the same answer a month or two ago when I asked about combining cards. I know have 4 with them since the HSBC changeover.

You're right. It doesn't make any sense.
I had the same Response from them, They said no to Merging, No to CLI, No to PCing the Cards to something with no AF, They did however waived the AF for the year, but ultimately I closed them both. IMHO they are good to rebuild but once you are past that stage, you should move on. I fortunately have some good cards now and very low Utilization so I closed them both. Felt great by the way

I also had the AF's waived for this year, but they did actually give me CLI's (one account had been stuck for 6 years!)

Haven't tried to PC yet, but that's next on my garden to-do list. I just have to figure out which one I want to keep - if any. I'm planning on closing at least 2, maybe 3. Will be nice to get rid of them, I bet it did feel great. I'm looking forward to that myselft!

For some reason they said No to my CLI request, I figured after 3 years with never a late or over the limit they would hook it up , but nah, they didn't. I was stuck at $750.00 for 3 years.... Closing them indeed felt great.... I feel like after the long Journey of repairing my Credit after a Horrible Divorce 10 years ago, I have accomplished my Credit Goals and I don't need them anymore. Don't get me wrong I do appreciate what the did when no one else would, but they are just so difficult and stingy to deal with, that IMHO I'm better off without them.......

Re: Capital One said no to merging two cards

pt310 — Fri, 09 Aug 2013 14:26:44 GMT

@TG76 wrote:
@pt310 wrote:
@TG76 wrote:
@pt310 wrote:
@Anonymous wrote:
I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card
They gave me the same answer a month or two ago when I asked about combining cards. I know have 4 with them since the HSBC changeover.

You're right. It doesn't make any sense.
I had the same Response from them, They said no to Merging, No to CLI, No to PCing the Cards to something with no AF, They did however waived the AF for the year, but ultimately I closed them both. IMHO they are good to rebuild but once you are past that stage, you should move on. I fortunately have some good cards now and very low Utilization so I closed them both. Felt great by the way

I also had the AF's waived for this year, but they did actually give me CLI's (one account had been stuck for 6 years!)

Haven't tried to PC yet, but that's next on my garden to-do list. I just have to figure out which one I want to keep - if any. I'm planning on closing at least 2, maybe 3. Will be nice to get rid of them, I bet it did feel great. I'm looking forward to that myselft!

For some reason they said No to my CLI request, I figured after 3 years with never a late or over the limit they would hook it up , but nah, they didn't. I was stuck at $750.00 for 3 years.... Closing them indeed felt great.... I feel like after the long Journey of repairing my Credit after a Horrible Divorce 10 years ago, I have accomplished my Credit Goals and I don't need them anymore. Don't get me wrong I do appreciate what the did when no one else would, but they are just so difficult and stingy to deal with, that IMHO I'm better off without them.......

Then congrats are in order for your accomplishments!

Having been through a nasty divorce myself, and rebuilding, I completely understand!

Re: Capital One said no to merging two cards

TG76 — Fri, 09 Aug 2013 14:31:16 GMT

@pt310 wrote:
@TG76 wrote:
@pt310 wrote:
@TG76 wrote:
@pt310 wrote:
@Anonymous wrote:
I have two in-house credit cards with them (technically three, but I'm not counting holding cards, because I also have a Best Buy -Capital One- Rewards MasterCard) I really do not want to manage two accounts with theme. Called Capital One today to ask if I could combine both accounts, and the nice lady said "no".

Both are "Platinum MasterCards", both received a recent CLI - one with a $1,500 limit and the other $1,250. Why don't they let you merge the two cards together? I have not a clue, it's not like their exposure would change

oh bummer I guess I may eventually close the newer/lower limit card
They gave me the same answer a month or two ago when I asked about combining cards. I know have 4 with them since the HSBC changeover.

You're right. It doesn't make any sense.
I had the same Response from them, They said no to Merging, No to CLI, No to PCing the Cards to something with no AF, They did however waived the AF for the year, but ultimately I closed them both. IMHO they are good to rebuild but once you are past that stage, you should move on. I fortunately have some good cards now and very low Utilization so I closed them both. Felt great by the way

I also had the AF's waived for this year, but they did actually give me CLI's (one account had been stuck for 6 years!)

Haven't tried to PC yet, but that's next on my garden to-do list. I just have to figure out which one I want to keep - if any. I'm planning on closing at least 2, maybe 3. Will be nice to get rid of them, I bet it did feel great. I'm looking forward to that myselft!

For some reason they said No to my CLI request, I figured after 3 years with never a late or over the limit they would hook it up , but nah, they didn't. I was stuck at $750.00 for 3 years.... Closing them indeed felt great.... I feel like after the long Journey of repairing my Credit after a Horrible Divorce 10 years ago, I have accomplished my Credit Goals and I don't need them anymore. Don't get me wrong I do appreciate what the did when no one else would, but they are just so difficult and stingy to deal with, that IMHO I'm better off without them.......

Then congrats are in order for your accomplishments!

Having been through a nasty divorce myself, and rebuilding, I completely understand!

Thanks!!

Re: Capital One said no to merging two cards

takeshi74 — Fri, 09 Aug 2013 14:37:10 GMT

@Anonymous wrote:
Why don't they let you merge the two cards together?

Consider the source. It's Capital One. That's why I closed my accounts with them.