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Capital One Account Combination

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Visitor

Capital One Account Combination

Hello all, I'm a long time stalker of this forum just had to join to share this experience. I had 3 Capital One cards, Quicksilver Visa Sig (month old) Quicksilver Master card (3.5 years old upgraded platinum) and a Quicksilver One (8 months old) I had been trying to combine the two master cards and it would not let me, no eligible cards it said even though both MC had $0 balance and QS Visa has about & $450 on it. Frustrated I was so, I closed the QS1 a few minutes ago, went back to the account combination and Bam! My two remaining QS cards show up. What the heck?! I'm angry that I had to flush that credit down the drain but Happy overall to get rid of two useless cards...I'm so confused, it said I had no eligible cards consistently and as soon as I close one the other becomes eligible? ..... Just had to share this as people are banging their heads against the wall trying to combine, I know I was.
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Frequent Contributor

Re: Capital One Account Combination

Thanks for the info!

I have two Cap 1 cards. Both upgraded in Sept 18’. Almost 7 year old Platinum to QS1 and an almost 2 year old platinum unsecured to QS. I wanted to combine my QS1 into my QS BUT I would have to pay my QS1 down to a $0 balance before I am eligible. My other concern was that I only had a Cap 1 card for over 5 years & so its the reason why my overall AAOA is over 6 years. Wondering it will mess that up if I combined the older card into the “newer” card.
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637

June: EQ8: 637 ^26 TU8: 645 ^7 EX8: 642 ^0

Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS AAOA: 2YR 2MONTHS
Inquiries in 12 months: EQ: 5 TU: 2 EX: 3
New Accounts in the last 8 months: 0
Chase 3/24 July 19’

CLOSED: Self Lender 12Month CD: June 20th 19’

Subprimes To Be Closed:



Message 2 of 3
New Visitor

Re: Capital One Account Combination

From what I read the closed card stays on the report for 10 years so you should be ok on that front if what I've read is true, I closed my 3.5 year old card with my fingers crossed.
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