Cap One definitely has bucketed cards, although I'm not sure of the accuracy or dating of the BINs starting with 5178 that you found. Cap One has a massive number of MasterCard BINs (mostly for prepaid products). There are certainly both Visa and MasterCard products that are "bucketed." Cap One did allow merging of accounts until a few years ago, but that is no longer the case.
I had a couple of accounts in the 90s (shortly after they changed their name to Capital One) that I long ago merged into another account opened around 2000, and then in 2015 I found myself with a total of 4 Cap One cards (2 originally Cap One and another 2 that had been acquired from other lenders, all opened at the turn of the century). I combined those into one card of around $10k and was able to do a product change to Venture One, but no matter what they were not budging with a CLI. I finally ended up closing the card in 2016. Essentially, those older cards that I acquired when I had very little (but never bad) credit were never going to change even with credit scores in the 800s and other credit cards with limits close to 6 digits.
As mentioned upthread, you may want to try to see if you can product change them to cards with no annual fees if the age is very important to you. But they will definitely continue to stay on your credit reports and contribute to credit aging for up to 10 years, at which point all of your other accounts will have also aged. But even with no annual fees, I ultimately decided to just cut the cord despite the card ages.
@opie69 wrote:
@bigseegar wrote:Just curious on the AmEx card. Which card do yiou have? Because I have 6 AmEx card, 3 Chargers (Platinum, Gold and Green) and 3 Credit (BCP, HH, EDC) and I've been a Member since 1984 and Chargers don't have a hard limit (although there is a formula AX uses that sets an unknown one internally) I don't think I've ever seen a $100K on a Credit card with them.
It's an Amex Platinum Open. A local business rep (who knew) reached out to me with a push to pay all of our business bills through Amex. I had a 20k monthly ceiling that moved to 100k after providing them with business bank statements. While it is a business card, it is tied to my social.
Charge cards unfortunately don't really count when comparing their spending ability to revolving card products. Your credit reports will not reflect your current spending ability (other than the high balance column, but of course even with a revolving product your reports can reflect $200,000 in the high balance column and $2,000 for the current limit if you have since received a credit line decrease or otherwise reallocated your limit) and other lenders are not privvy to Amex's internal algorithms and data. (Edit: Also as yours is a business product it will not reflect on personal reports unless serious delinquent.) My 3 charge cards definitely each have spending ability past $100k, but my total revolving limits with Amex are "only" around $90k. Underwriting is very different between charge and revolving products with AENB.
Edit 2: To address an earlier post, Amex will definitely issue 6-digit (and even 7-digit) revolving credit limits.
Nineteen years is a long time! They're definitely bucketed. So...
1) Try what @HeavenOhio suggested. Then, if that doesn't work,
2) Close them. They're not worth keeping.
