Capital One Card Consolidation

[baller4life]

Thx UncleB. That's definitely helpful! . My 6 months for my first two is December. So hopefully I won't have any issues.

[Anonymous]

Knowing that "Customer is Past Due in last Y Months" comes up as a reason for customer-level denial is very useful as we know now the Customer in Control Group status is distinct and likely has nothing to do with payment history.

I also know for a fact that I have no CO's with Cap One or anything like that, so I know that's not the underlying reason for me.

I wonder if it's the literal sense of the word Control Group and we're guinea pigs placed in a group which is not able to perform the function, leading us to contact customer service to inquire as to why. That would be utter BS, but it wouldn't surprise me. 

[Anonymous]

{"customerLevelDecisionReasonDescription":"Customer in Credit Revoked Status"

"customerEligibleToCombineAccounts":false}

I spoke with someone in the EO. She told me the qualifications listed on the site were the basic qualifications. But there is other criteria you have to meet. But she wasnt able to tell me what that criteria was..... And that the EO wasnt able to do anything about it. Its a online option and basicly you just have to keep trying until it works.

My accounts with cap one has $0 balance and perfect payment history. And over 6 months old now. I do have an old charge off with them. maybe that has something to do with it.

[baller4life]

That's the exact message I get. Must be old CO we have. Not a good look.

[Anonymous]

In an effort to reduce my Cap One cc APR, I spoke to a supervisor.  During our conversation, she indicated that you can merge more than one account with another. So I can take my two QS accounts and merge them with my Venture account.  Has anyone done this?  It's sounds to good to be true.

[baller4life]

They should have been forthcoming about no prior COs being a requirement. I'm 6 months in December. I'll see if it goes thru. Not a happy camper.

[baller4life]

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@Anonymous wrote:

In an effort to reduce my Cap One cc APR, I spoke to a supervisor.  During our conversation, she indicated that you can merge more than one account with another. So I can take my two QS accounts and merge them with my Venture account.  Has anyone done this?  It's sounds to good to be true.

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Yes. You may have to merge one at a time though. Don't think you can do two at once.

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

In an effort to reduce my Cap One cc APR, I spoke to a supervisor.  During our conversation, she indicated that you can merge more than one account with another. So I can take my two QS accounts and merge them with my Venture account.  Has anyone done this?  It's sounds to good to be true.

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Yes. You may have to merge one at a time though. Don't think you can do two at once.

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OMG you are about to make my day, lol!  Now do they have to be done in on setting or can I merge one and come back in a month and merge another?  Or do I have to do each one at a time but all in one setting.  Thanks!

[Anonymous]

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@baller4life wrote:
They should have been forthcoming about no prior COs being a requirement. I'm 6 months in December. I'll see if it goes thru. Not a happy camper.

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Sorry to hear that you are having problems.  Your right, Cap One should be thorough in representing the guidelines of combining accounts.  It's a win win situation for Cap One, they get customers to pay their debt probably sooner than they would normally do so.  Great feature but they need to designate a team to support this process.

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

In an effort to reduce my Cap One cc APR, I spoke to a supervisor.  During our conversation, she indicated that you can merge more than one account with another. So I can take my two QS accounts and merge them with my Venture account.  Has anyone done this?  It's sounds to good to be true.

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Yes. You may have to merge one at a time though. Don't think you can do two at once.

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OMG you are about to make my day, lol!  Now do they have to be done in on setting or can I merge one and come back in a month and merge another?  Or do I have to do each one at a time but all in one setting.  Thanks!

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One at a time. Same day. At a later time. Doesn't matter as long as accounts are eligible to combine.