Unexpected consequence of combining QS cards

[krielly]

I recently combined 2 of my QS cards. When hitting the luv button the other day, I received the "2-3 day" message.

I received my answer today......no CLI due to my recent limit increase on this account (the result of combining the two cards). will have to wait for the 6 mos to pass.

So......just an FYI......

[Anonymous]

Good info. Thanks for sharing

[Anonymous]

ty for heads up...thats good to know.

[DeeBee78]

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@krielly wrote:

I recently combined 2 of my QS cards. When hitting the luv button the other day, I received the "2-3 day" message.

I received my answer today......no CLI due to my recent limit increase on this account (the result of combining the two cards). will have to wait for the 6 mos to pass.

So......just an FYI......

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Sorry to hear you lost your CLI eligibility, As an FYI, this has been discussed several times in the Capital One card combining megathread.

[OmarGB9]

^+1. It's known based on anecdotal evidence that combining accounts counts as a CLI and resets the 6 month clock.

[DantGwyrdd]

I am almost certain that it's stated at some point during the combining process that combining limits may make the card ineligible for a credit line increase/changes/something along those lines for 6 months.

[DeeBee78]

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@DantGwyrdd wrote:

I am almost certain that its stated at some point during the combining process that combining limits may make the card ineligible for a credit line increase/changes/something along those lines for 6 months.

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Yep! This is clearly stated in the Terms and Conditions:

• This card may be ineligible for a credit line increase for a period of time due to the change in credit line caused by this action.

[morgacj2004]

Yes that also happened to me when I requested a CLI after I just combined one acct. They consider that when you combine an acct to be the same as getting a CLI.

[12njoy]

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@OmarGB9 wrote:
^+1. It's known based on anecdotal evidence that combining accounts counts as a CLI and resets the 6 month clock.

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Arrrr just like Barclays sometimes count an account merger as a CLI

[OmarGB9]

Sucks to be sure, but it is what it is.