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Cap 1 QS- Merge two cards ?

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md_rebuild
Regular Contributor

Re: Cap 1 QS- Merge two cards ?


@ralvarez2678 wrote:

I had/have that same problem. Called to try to merge my QS and Savor cards but couldn't. Also, my CL's haven't moved for quite a while even though I started w/ a $1000 QS1 and upgraded to QS and now at $8K. Savor is stuck at $3K so i've moved to just using my Apple card instead of those 2 cards.


Same.   I stated out after my BK7 with Cap 1 and put tons of spend on them each month, sometimes 2x the CL.  I got minimal CLI.  Did the same with NFCU after my secured card "unsecured" and now 2 years later I have large CLs with them (14.5 and 25K).   At the same time I asked NFCU for a new card (which resulted in the 25K CL) I asked Cap 1 for a CLI on my 2 QS cards.   "Sure, here's a $100 CLI for each card".   So now they're sock-drawered.   I'm not going to close them, but just put my paper subscription on one and something around $20 on the other and let things go.  It's not worth the headache thinking they're every going to give me CLs like NFCU, or Apple, or Synchrony.

BK7: Discharged Sept 2019
7/7/24:

Message 21 of 29
fury1995
Valued Contributor

Re: Cap 1 QS- Merge two cards ?

They used to merge but I think that stopped a while ago (maybe).

 

I merged two QS's together and then merged a Venture into the combined QS that became one great big $51,500 Quicksilver. Didn't last long as CapOne reduced thwe credit line to $30K after about a year.

 

I can't get that card to do anything now.   

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 22 of 29
Aim_High
Super Contributor

Re: Cap 1 QS- Merge two cards ?

Sorry for your frustrations, @Creditwiser, but yes it is well-known that Capital One doesn't do CL consolidations, may or may not adjust APR, and limits the ability to product change their cards.  The whole package makes them fairly inflexible to deal with for enthusiasts like us. 

 

I sometimes question hanging onto my Quicksilver but I keep hoping they might sweeten the rewards or offer product changes that will benefit me.  (I am only offered original Venture/Venture One which don't interest me.) 

 

Still, they keep surprising me.  They've given me additional CLIs in the past 12 months with little spending.  Your posting reminded me to ask again tonight and they boosted me by $2K from $28K to $30K, so thanks for your part in that!  Smiley Happy


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 23 of 29
NoMoreE46
Community Leader
Senior Contributor

Re: Cap 1 QS- Merge two cards ?

Hey @SpaceCityCCuser ,

 

FYI, that image is from my C1 upgrade options. 

 

 


@SpaceCityCCuser wrote:

I found an image from the thread that I orignally saw the image of the VX upgrade option. I think it was from a Visa QS though.

 

Upgrade Image 3.JPG

 

Here is the thread this image came from. https://ficoforums.myfico.com/t5/Credit-Cards/Quicksilver-gt-Venture-X/td-p/6616040 




Message 24 of 29
SpaceCityCCuser
Frequent Contributor

Re: Cap 1 QS- Merge two cards ?


@NoMoreE46 wrote:

Hey @SpaceCityCCuser ,

 

FYI, that image is from my C1 upgrade options. 

 

 


@SpaceCityCCuser wrote:

I found an image from the thread that I orignally saw the image of the VX upgrade option. I think it was from a Visa QS though.

 

Upgrade Image 3.JPG

 

Here is the thread this image came from. https://ficoforums.myfico.com/t5/Credit-Cards/Quicksilver-gt-Venture-X/td-p/6616040 





I saw this post and it made me start putting heavy spend on my Visa QS. I want to PC it to a VX but my current limit is not 10k. We'll see what happens.


Last Signature Update: 09/01/25 | 2025 Total AF = $1560 (2025 credits redeemed *organically* $1465)











Credit Age:
Approvals (Chase 5/24 not counting business cards):
Inquiries:

Financial Institutions:

Cards on the Radar:
2 plus years away cards:
Message 25 of 29
NoMoreE46
Community Leader
Senior Contributor

Re: Cap 1 QS- Merge two cards ?


@ralvarez2678 wrote:

I had/have that same problem. Called to try to merge my QS and Savor cards but couldn't. Also, my CL's haven't moved for quite a while even though I started w/ a $1000 QS1 and upgraded to QS and now at $8K. Savor is stuck at $3K so i've moved to just using my Apple card instead of those 2 cards.


FYI @Creditwiser 

C1 stopped the wicked cool combination feature in like 2018/2019.

  

Capital One: No More Account Combination - myFICO® Forums - 5494887

Message 26 of 29
NoMoreE46
Community Leader
Senior Contributor

Re: Cap 1 QS- Merge two cards ?

@Aim_High ,

 

Have you checked your C1 PC options lately?  I was hoping your QS MC would be openned up to the Savor offerings.

 

Message 27 of 29
Aim_High
Super Contributor

Re: Cap 1 QS- Merge two cards ?


@NoMoreE46 wrote:

@Aim_High ,

 

Have you checked your C1 PC options lately?  I was hoping your QS MC would be openned up to the Savor offerings.


I've checked it often, @NoMoreE46, including after I saw your post. Still just original Venture and Venture One. Smiley Sad  Not sure I would PC to Savor/Venture X and miss out on the SUBs anyway, but those cards interest me more. In past two years, sometimes they have offered just Venture One and sometimes both. I wonder if I put heavy dining spend on QS if that might trigger a Savor offer but I already have great dining rewards on other cards. When I put spend on WS, it's most often general uncategorized spend.  Hoping for Venture X is probably unrealistic in my case since my QS is a MC and VX is a Visa product. 


Business Cards


Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 28 of 29
NoMoreE46
Community Leader
Senior Contributor

Re: Cap 1 QS- Merge two cards ?

Appreciate the reply @Aim_High.

 

You certainly have the CL for a Venture X. 
Incidentally, my C1 spending for my Savor (multiples of $5000 CL) and QS (fraction of of $42000 CL)  seem to have an inverse relationship with regards to CLI.  
Rooting for you to be the first PC to the VX with a MC network card but we probably know it aint happening.

 

 

 

Message 29 of 29
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