Cap One Combo Worked Great!

[Anonymous]

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HAHAHAHAHAHA. My childhood in a gif!

[MissMoni223]

Oh HAPPY Day! I combined my 2 QS MasterCards earlier today!!! All smiles!

[Anonymous]

A bummer about the 6 months thing. I had an AF 600 Limit Quicksilver I closed that was over a year old. Wonder if it can be reinstated to combine with my old journey. Hindsight…

[NRB525]

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@Anonymous wrote:

Mods - please move if this is the wrong place.  

I finally got the chance to combine two of my Cap One cards tonight!  Transferred my Platinum Prestige over to my QS.  Now I'll ask for a cli & change that to a QSWEMC when the time is right.  Can't wait to combine my two Venture's.  Works great.  Just have to order another AU and cut up old cards that are no longer of use.  Stil learning a few things here. I guess this is the way to get higher cl's and lower cc's.  

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Congratulations on getting the combination to work!

My QS was set up as WMC, is there a WEMC version of Quicksilver?

[UncleB]

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@OmarGB9 wrote:
Grats! Although I thought I read somewhere that the combination counts as aCLI and it disqualifies you from anotherCLI for 6 months.

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In another thread someone 'assumed' this, but it was nothing but speculation.

On the contrary, until we are told differently by Capital One, I would 'assume' that once the cards are merged, the six-month clock for a CLI should not be reset, since this isn't a CLI, but an account merger (to use Capital One's lingo).  If a merger were considered a CLI, folks that just had a CLI on either account would have a problem merging them, but they aren't.  The date of the last CLI for the remaining account is what I would think they would use to measure the beginning of the six-month period.

Of course I'm speculating as well; the only way to know for sure is when somebody actually tries it.  Of course at some point the CSRs should have updated info, but we all know how 'accurate' they can be.

[SouthJamaica]

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@OmarGB9 wrote:
Grats! Although I thought I read somewhere that the combination counts as a CLI and it disqualifies you from another CLI for 6 months.

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In the disclosures it says:

"This card may be ineligible for a credit line increase for a period of time due to the change in credit line caused by this action"

[SouthJamaica]

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@Anonymous wrote:

Thanks so much for posting that. Do you know if they require all cards account involved to be open 6 months, or is having one of them open for 14 months sufficient to meet that requirement?

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Both cards have to be over 6 mos.

[taxi818]

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@OmarGB9 wrote:
Grats! Although I thought I read somewhere that the combination counts as a CLI and it disqualifies you from another CLI for 6 months.

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No one said that. Others got. Li just a day before combo. Cap one got sure did not say that. 

[SouthJamaica]

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@taxi818 wrote:

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@OmarGB9 wrote:
Grats! Although I thought I read somewhere that the combination counts as a CLI and it disqualifies you from another CLI for 6 months.

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No one said that. Others got. Li just a day before combo. Cap one got sure did not say that. 

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Here's what Cap One said:

"This card may be ineligible for a credit line increase for a period of time due to the change in credit line caused by this action"

[UncleB]

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@SouthJamaica wrote:

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@OmarGB9 wrote:
Grats! Although I thought I read somewhere that the combination counts as a CLI and it disqualifies you from another CLI for 6 months.

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In the terms and conditions it says that the combo counts as a credit limit increase for the retained card, and may delay further CLI's

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Does it tell you this before the actual 'merge' takes place, or after?  Since I don't have two cards that are eligible, all I can get to is the screen where it tells you what the conditions are to perform the merge, not about what happens after.

If this is true (and I have no reason to doubt you) this changes things a bit for me.  I might be better off simply getting CLIs on the existing accounts, vs. a single 'merged' account, especially if the merger counts as a CLI in itself.

Just my 2¢