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Cap 1 QS- Merge two cards ?

Creditwiser
Valued Contributor

Cap 1 QS- Merge two cards ?

Just off the phone with Cap 1 in an attempt to merge my two QS cards.  CSA says that's not a thing they do. I know they used to allow a merge as long as one account had a zero balance. Since that was a no go, I requested an APR decrease, no luck there either. Begining to think our relationship has run its course. Especially with much better cards in my arsenal these days. Cap 1 is my first card post BK and they let me back in after burning them withing 3 months of discharge. I never had to get their secured card. I recall how grateful I felt at the time and after treating these 2 cards like a newborn baby, I was rewarded with many CLI's. I think I'll just sock drawer them and maybe a tank of gas or two every now and then. Smiley Frustrated


>NFCU Visa 28k | NFCU Platinum 28k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 28.7K | Discover IT 9.5K | CFNA FS 3200 | CareCredit 17k| Paypal Credit 4.5k | 7 months until BK7 disappears |
( EE from TU)
Message 1 of 29
28 REPLIES 28
JoeRockhead
Valued Contributor

Re: Cap 1 QS- Merge two cards ?

Cap 1 is indeed a strange bird, and difficult to figure out at times... I too have one that I've just given up on as they will just not show me any love no matter whether I spend a lot, or a little. Moving my focus onto other cards. 

Message 2 of 29
ralvarez2678
New Contributor

Re: Cap 1 QS- Merge two cards ?

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.

Message 3 of 29
SpaceCityCCuser
Regular Contributor

Re: Cap 1 QS- Merge two cards ?

Have you considered PC to savor1?


Last Signature Update: 8/05/2023

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2 plus years away cards:
Message 4 of 29
TRC_WA
Senior Contributor

Re: Cap 1 QS- Merge two cards ?

Yeah I just got back in with them with a $500 QS after burning them in my Ch 13.

 

Don't much care about this account... I'll use it and hope for a CLI.  The long term goal is getting my Venture back.

BK 13 filed : 2-28-17 BK 13 discharged : 3-22-22
FICO8 current as of : 8-31-23 EQ: 685 TU: 679 EX: 661
Hard INQs last 12 months: EQ: 5 | TU: 9 | EX: 7
WF Platinum $1000 WF Reflect $6000 Verizon Visa $6500 Ally MC $4000
Mission Lane Visa $1850 Credit One Platinum x5 $3000 Credit One Wander $1700 Upgrade Visa $2000
PenFed Gold Visa $2500 Amex Delta Gold $10,000 Care Credit $12,000 Petal 1 Visa $2900 Cap One QS $500
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - refinanced $33k balance @ 6.94%
Total CL: $70,450 --- Total CC UTI: 32% --- AAoA: 6.5 years --- Income: $100k
Last app: 8-24-23
Message 5 of 29
Creditwiser
Valued Contributor

Re: Cap 1 QS- Merge two cards ?

My CL's went up very fast with them. Both QS began as QS-1 Upgraded and dropped the fee after the first year. I was swiping those cards like a madman , swipe - pay , swipe-pay and before I knew it, I'm at 10.5 and 11k CL within 2-3 yrs. That was 7 or 8 years ago and the love ended then. I did enjoy plenty of cash back so there's that. Still, after an almost 10 year, spotless relationship, I expected some love today. Smiley Sad 


>NFCU Visa 28k | NFCU Platinum 28k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 28.7K | Discover IT 9.5K | CFNA FS 3200 | CareCredit 17k| Paypal Credit 4.5k | 7 months until BK7 disappears |
( EE from TU)
Message 6 of 29
Creditwiser
Valued Contributor

Re: Cap 1 QS- Merge two cards ?


@SpaceCityCCuser wrote:

Have you considered PC to savor1?


I have not. But I am know . Thank you Smiley Wink


>NFCU Visa 28k | NFCU Platinum 28k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 28.7K | Discover IT 9.5K | CFNA FS 3200 | CareCredit 17k| Paypal Credit 4.5k | 7 months until BK7 disappears |
( EE from TU)
Message 7 of 29
SpaceCityCCuser
Regular Contributor

Re: Cap 1 QS- Merge two cards ?

The savor1 is a crazy good card right now. Something like 8 bonus categories. 


Last Signature Update: 8/05/2023

Store Cards:





Credit Age:
Inquiries:

Financial Institutions:

Cards on the Radar:
2 plus years away cards:
Message 8 of 29
CYBERSAM
Senior Contributor

Re: Cap 1 QS- Merge two cards ?

One of my earliest cards after rebuild was QS that was upgraded from Platinum and CLI to $14.5K (before bucketing era) I tried PC it to Savor but only Venture was available and I already had one with lower AF.

Few months ago got a letter from Cap1 to "use it or lose it"! Given 1.5% in obsolete now, sadly had to cancel the QS after another fail attempt to product change to Savor.







              
Message 9 of 29
Creditwiser
Valued Contributor

Re: Cap 1 QS- Merge two cards ?


@CYBERSAM wrote:

One of my earliest cards after rebuild was QS that was upgraded from Platinum and CLI to $14.5K (before bucketing era) I tried PC it to Savor but only Venture was available and I already had one with lower AF.

Few months ago got a letter from Cap1 to "use it or lose it"! Given 1.5% in obsolete now, sadly had to cancel the QS after another fail attempt to product change to Savor.


Good to know. Expecting the same outcome but I'll give it a shot this evening.  My expectations are low anyway Smiley Wink


>NFCU Visa 28k | NFCU Platinum 28k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 28.7K | Discover IT 9.5K | CFNA FS 3200 | CareCredit 17k| Paypal Credit 4.5k | 7 months until BK7 disappears |
( EE from TU)
Message 10 of 29
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