Cap 1 combo

[Anonymous]

Hey all. I was wondering the best plan of attack. I have a QS1 3.5k (no AF) and a cap 1 platinum 3.25k. Qs1 hit the 6 month mark on the 27th and I requested a CLI(denied). I actually spent about 2k and paid it off within 45 days so in not sure about the denial. I've been reading up on combining cap 1 cards and was really wondering if it would be possible/smart to PC to a higher tier card after combining the two.. Help!

[RonM21]

I'm not sure. I do understand the PC process, but wonder if there is a wait time after you combine 2 cards.

[undrtkr65]

I was able to combine my 2 capital one cards and 1 of them was only open for 2 months. I combined my 10 month old quicksilver one with my new quicksilver one since I still have the 0% rate on my new QS1. my new limit is 2250 so hopefully I will be able to PC it to the regular quicksilver. good luck on yours!!!

[Anonymous]

Since your QS1 doesn't have AF, I would combine the Platinum with it. The Plat would be cxld and your new QS1 CL would be $6.75k.

Normally both cards need to be at least 6 mos old and the Plat would need a zero balance. The bigger QS1 will be ineligible for CLI for 6 mos.

As far as PC'g that card to Venture or QS Visa possibly, but I wouldn't recommend it. The APR wouldn't improve and you would forgo any bonuses for Venture and QS Visa.

I'd chk prequal and app for new QS Visa or Venture. Once that card is 6 mos old combine the QS1 with it. Good luck!

[Anonymous]

If your QS1 has no AF then no need to PC it. Simple as that.