Capital one questions.

[Anonymous]

Hello, new member here. 

I have 3 Capital one cards, Platinum, Quiksilver and Buy Power card. Quiksilver and Platinum i have had for a year and Buy power for 9 months.  I signed up for the Quik and Plat and Buy Power when i was very ignorant of credit ,didnt even know what a credit score was and took anything that would approve me. Got small limits. 750 for plat, 600 for Quik and 500 for BuyPower. My scores have greatly improved and i am now looking at the Venture , but i read you can only have 2 cap one cards. I am asuming Buypower does not fall into that category since its kinda co branded ? Anyway i want to close my 2 cap one cards and my question is how long after i close them can i apply for the venture and not be denied for having 2 cap one cards already? Should i wait a certain amount of time for cap one to recognize i closed those accounts or as soon as i close them am i good to apply? I did call customer service and they couldn't give me a straight answer.

I apologize if i posted this in the wrong section. Thank you all.

[Anonymous]

You can only have two subprime self branded Capital One cards.  I don't believe there's a limit on the number of prime Capital One cards you can have.  Cobranded cards don't count towards either.

[Shadowfactor]

You can also combine the limits of the platinum and QS onto the QS and then close the platinum.

[Anonymous]

That's a good idea, thank you!

[Anonymous]

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@Anonymous wrote:

You can only have two subprime self branded Capital One cards.  I don't believe there's a limit on the number of prime Capital One cards you can have.  Cobranded cards don't count towards either.

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ok so my two cap one cards would be considered subprime and the Venture would be prime obviously.

[Anonymous]

If you have the no fee QS combine the Plat into it. However, if you have the QS1 with an annual fee, combine it into the Plat then get a product change to the QS1 but with no annual fee.

[Anonymous]

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@Anonymous wrote:

You can only have two subprime self branded Capital One cards.  I don't believe there's a limit on the number of prime Capital One cards you can have.  Cobranded cards don't count towards either.

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Another question, it says on the application you can only have 5 capital one cards total. Do they count store cards that are backed by cap one as the 5?

[Time2letgo]

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@Anonymous wrote:

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ok so my two cap one cards would be considered subprime and the Venture would be prime obviously.

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I believe QuickSilver is prime. QuickSilver One is a subprime card.