topic meging 2 cards from same company?!? in Credit Cards

meging 2 cards from same company?!?

jwright343 — Fri, 07 Nov 2014 23:44:40 GMT

I have two quicksilver cards from cap one. What are the pros and cons of merging these 2 cards together. My main goal is to build my score w/ prime cards but I don't want too many cards. What would be the #1 reason to merge and also NOT to merge the cards. Thanks friends. P.S. I did go ahead and close the worthless 250$ secured card from PNC. Good riddance and no more free money to PNC every month!

Re: meging 2 cards from same company?!?

Anonymous — Fri, 07 Nov 2014 23:47:20 GMT

@jwright343 wrote:
I have two quicksilver cards from cap one. What are the pros and cons of merging these 2 cards together. My main goal is to build my score w/ prime cards but I don't want too many cards. What would be the #1 reason to merge and also NOT to merge the cards. Thanks friends. P.S. I did go ahead and close the worthless 250$ secured card from PNC. Good riddance and no more free money to PNC every month!

They won't.

Re: meging 2 cards from same company?!?

Luscher — Sat, 08 Nov 2014 01:44:35 GMT

Good luck with cap 1. see now if you had 2 chase cards, the limits could have been combined in seconds.

Re: meging 2 cards from same company?!?

tcbofade — Sat, 08 Nov 2014 03:31:02 GMT

As mentioned, Cap One won't combine the accounts....some banks will, some banks will not.

Re: meging 2 cards from same company?!?

abbafan — Tue, 11 Nov 2014 01:54:12 GMT

@jwright343 wrote:
I have two quicksilver cards from cap one. What are the pros and cons of merging these 2 cards together. My main goal is to build my score w/ prime cards but I don't want too many cards. What would be the #1 reason to merge and also NOT to merge the cards. Thanks friends. P.S. I did go ahead and close the worthless 250$ secured card from PNC. Good riddance and no more free money to PNC every month!

I had my 2 Cap1 Platinum MC's upgraded to QS recently. While on the phone with the U.S.-based account specialist, I asked him if it's possible to combine the two QS cards into one. He said he was glad that I asked that question because the company is now considering this option. He said they're working on it in the upper management and within a year or so this may become an option. He also said that he too has a couple of Cap1 cards of the same type and that he wouldn't mind the bank to give the option to combine, so he was 100% with me on that one.

However, when I called back in about a week just to see what the India-based (lol) customer service rep would say to that, of course she said that the company doesn't do that and doesn't plan on doing that either. For some reason, I tend to believe our guy

Re: meging 2 cards from same company?!?

FinStar — Tue, 11 Nov 2014 02:16:53 GMT

@abbafan wrote:
@jwright343 wrote:
I have two quicksilver cards from cap one. What are the pros and cons of merging these 2 cards together. My main goal is to build my score w/ prime cards but I don't want too many cards. What would be the #1 reason to merge and also NOT to merge the cards. Thanks friends. P.S. I did go ahead and close the worthless 250$ secured card from PNC. Good riddance and no more free money to PNC every month!

I had my 2 Cap1 Platinum MC's upgraded to QS recently. While on the phone with the U.S.-based account specialist, I asked him if it's possible to combine the two QS cards into one. He said he was glad that I asked that question because the company is now considering this option. He said they're working on it in the upper management and within a year or so this may become an option. He also said that he too has a couple of Cap1 cards of the same type and that he wouldn't mind the bank to give the option to combine, so he was 100% with me on that one.
However, when I called back in about a week just to see what the India-based (lol) customer service rep would say to that, of course she said that the company doesn't do that and doesn't plan on doing that either. For some reason, I tend to believe our guy

Yes, but "your" guy may not know the answer for sure either. Mere speculation at this point. Folks have gone throught the EO (which would have more information associated with stratey to some extent, whihc would include combining multiple C1 accounts). They mentioned the same statement a year ago. So, let's just say it may be feasible at some point in the future but don't hold your breath.

Re: meging 2 cards from same company?!?

Barneygirl — Tue, 11 Nov 2014 02:17:22 GMT

Timely topic.... I just spoke to Cap1 this morning.... they won't merge accounts, period.