Capital One card combining question

[Anonymous]

Hey guys, I had a question regarding combining my 2 Quicksilver one cards. Both these cards are my oldest accounts. I tried upgrading both to a normal Quicksilver card to avoid the annual fees several times with no luck. I was looking into combining these cards into one to avoid 2 annual fees. I was wondering if this would have a negative effect on my score. Any advise would help. Let me know if you guys need any more info!

[Anonymous]

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@Anonymous wrote:

Hey guys, I had a question regarding combining my 2 Quicksilver one cards. Both these cards are my oldest accounts. I tried upgrading both to a normal Quicksilver card to avoid the annual fees several times with no luck. I was looking into combining these cards into one to avoid 2 annual fees. I was wondering if this would have a negative effect on my score. Any advise would help. Let me know if you guys need any more info!

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No, combining those two scores would not have a negative impact on your score.

[Anonymous]

It shouldn't affect your score at all since the closed card will still be reported and included in your AAoA. I did this a few months ago and my score did not change at all.  You may already know, but combining the cards does count as a CLI so Capital One's rule about 6 months between CLI's will apply. That being the case, if combined this month you won't be eligible for a CLI on this card until March '17.

[Anonymous]

Thanks for clearing that up. Also one of them is on the credit steps which will kick in in March. Will this effect that as well.

[Anonymous]

That's good to know. My QS1 is eligible for an increase in October but I really want to combine it with my QS. I don't see any reason why I should have two of the same cards. Harder to keep track of bills. My QS was originally a Platinum so back then it made sense. Can't wait until October.