Capital One Card Consolidation

[Anonymous]

Well, I'm still getting the same scripted replies when I inquire as to why my two accounts aren't eligible despite clearly meeting the listed requirements. I am suspecting it may be my card with the Monthly Member Fee I got rate-jacked with at some point that is causing the issue.

I did just PC both Platinum MC (one w/ rewards, one w/o) to Quicksilver One cards just so I have a reason to use them, and they were able to waive the AF on the existing rewards card.

I think it's time to email the EO... this is frustrating and I actually would like to be able to put some charges through these cards now that they're both paid off.

[Anonymous]

Being a software engineer by trade, I quickly inspected the request/response for the eligibility request on Capital One's website and found my own customer account is ineligible because "Customer in Control Group" - whatever that means. My wife's account gives a completely different response and the server response shows her cards and the reasons are listed in the JSON for both cards (neither have a zero balance).

Seems I now know more about how this little system works than any of the CSR's now lol. If you are tech savvy, you can easily just fire up the developer tools in Chrome or Firefox and look for the request to /api/selfservice/accountcombination/eligibility and watch what the response back to your browser.

But from my own findings, it's clear you can be locked out of Account Combination at a customer-level, not just a card-level. There's a ton of detail available in the response that comes back to the webpage that they are choosing not to display, and instead are just displaying the generic ineligible message.

[Anonymous]

@EvoXTuna  I've been trying everyday since the link has been up but no success. Even spoke to CSR 3 times and no results.  Could you tell us step by step on how to check this for us non tech savvy people?

[Anonymous]

Link removed as this isn't showing a status any more. 

Your browser hits that link anyway behind the scenes when you click the Account Combination link, so looking at the information manually is fair game in my eyes. Especially when Capital One gives their CSR's no ability to help you with this feature.

[Anonymous]

@EvoXTuna  Thanks for the response. Mine says the same as yours - "Customer in Control Group".  No idea what that means?

[UFGuy2006]

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@Anonymous wrote:

@@Anonymous  Thanks for the response. Mine says the same as yours - "Customer in Control Group".  No idea what that means?

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Strange, same here.

[Anonymous]

Now once one of us figures out why he/she is ineligible, we can infer the underlying reason is the same or similar for all folks with that status.

I know personallly, I had one 1-day-late payment on my cards last year while I was traveling. I wonder if that's the reason for the ineligibility. My only other late payment was all the way back in 2011, and again just a couple days late.

[juniornj23]

So are you saying that if your first time was denied you will never get it to work

[masscredit]

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@Anonymous wrote:

Sure. Sign into your Capital One account and then go to this URL: https://services2.capitalone.com/api/selfservice/accountcombination/eligibility

The very first few lines will tell you your customer eligibility status - "customerLevelDecisionReasonDescription" - and further down you can see if your cards are listed with specific denial reasons.

Your browser hits that link anyway behind the scenes when you click the Account Combination link, so looking at the information manually is fair game in my eyes. Especially when Capital One gives their CSR's no ability to help you with this feature.

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Saving this info and hoping I never need it.  Thank you for posting! 

[juniornj23]

Can someone explain me as 5 years old kid why I can't combine my card. Please