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Can you product change with Cap One?

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clocktick
Valued Contributor

Can you product change with Cap One?

I have 2 Cap One cards.  One is a basic (no AF) $4000 card and the other is a rewards (yes, AF) $1500 CL card.  I tried to combine them a couple of months ago but they said they don't do that anymore.  I don't like AFs even though I've earned numerous $50 and $100 gift cards from that card since I've had it.  I'm wondering if I can do a product change?  Has anyone done one or are they strictly against this?

 

Has anyone been able to combine limits and close one card recently?  I used to read about it often on this board but I haven't seen anyone combining in a while.  I'm thinking of calling back and asking a different rep.

 

Thank you.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 1 of 7
6 REPLIES 6
clocktick
Valued Contributor

Re: Can you product change with Cap One?

So has anyone combined 2 Cap One cards lately?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 2 of 7
Anonymous
Not applicable

Re: Can you product change with Cap One?

I googled this very same question and got this topic, hopefully others can tell us wether cap 1 product changes or not
Message 3 of 7
Anonymous
Not applicable

Re: Can you product change with Cap One?

Ditto, I want No Hassel Cash...

Message 4 of 7
Anonymous
Not applicable

Re: Can you product change with Cap One?

Bump
Message 5 of 7
Walt_K
Senior Contributor

Re: Can you product change with Cap One?

Have tried to get them to change/convert my AF card to a no AF card and haven't had any success.  I've run some searches in these forums and I found multiple other posts saying capital one won't play ball.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Message 6 of 7
andre181
Established Contributor

Re: Can you product change with Cap One?

I have tried to combine my CL's on my Classic Platinum Visa and No Hassle Cash MC (both no AF) multiple times, with no success.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 7 of 7
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