@UncleB wrote:
@bk510 wrote:
@DeeBee78 wrote:
@Anonymous wrote:I see some people have two quicksilver one cards and combined them into one. Does that increase your credit line? Also, why wouldn’t capital one just increase your credit line to save you the trouble of applying for two cards. Sorry new to this. How long do you normally wait before combining the cards? I currently have two cards a secured one (which you can’t combine) and a quicksilver one.
Does it increase your credit line?
Yes, and no. It increases the limit of the card you're transferring to, but it closes the donor card. For example, if you have two Quicksilver cards with $1,000 limits and you combine them, you will have one card with a $2,000 limit when you're done.
Why won't Capital One increase your credit line to save you the trouble of applying for two cards?
Capital One used to be very stingy with CLI's and only very recently started allowing you to combine cards, so that is why you see members with multiple cards.
How long do you wait before combining the cards?
Each person is different. Some people would rather have the two separate trade lines, and some people would rather have one combined limit. I personally am waiting one more week for my (hopeful) 6 month CLI's to kick in, then I will combine them. Additionally, you have several requirements that need to be met before you can even request the accounts be combined, one of those being the accounts are at least 6 months old.
Can you combine QS1 MC limit to QS Visa platinum? or does it have to be mc to mc?
Yep, they don't care if it's MC or Visa. So far the one thing we (think) we've figured out is that Capital One co-branded cards seem to not be eligible (the GM Card, Sony Card, etc.)
Lots of folks have moved/merged across the MC/V brands. My own two cards, one MC and one Visa, show online to be eligible for merging as well.
Thanks, Uncle
@bk510 wrote:
@UncleB wrote:
@bk510 wrote:
@DeeBee78 wrote:
@Anonymous wrote:I see some people have two quicksilver one cards and combined them into one. Does that increase your credit line? Also, why wouldn’t capital one just increase your credit line to save you the trouble of applying for two cards. Sorry new to this. How long do you normally wait before combining the cards? I currently have two cards a secured one (which you can’t combine) and a quicksilver one.
Does it increase your credit line?
Yes, and no. It increases the limit of the card you're transferring to, but it closes the donor card. For example, if you have two Quicksilver cards with $1,000 limits and you combine them, you will have one card with a $2,000 limit when you're done.
Why won't Capital One increase your credit line to save you the trouble of applying for two cards?
Capital One used to be very stingy with CLI's and only very recently started allowing you to combine cards, so that is why you see members with multiple cards.
How long do you wait before combining the cards?
Each person is different. Some people would rather have the two separate trade lines, and some people would rather have one combined limit. I personally am waiting one more week for my (hopeful) 6 month CLI's to kick in, then I will combine them. Additionally, you have several requirements that need to be met before you can even request the accounts be combined, one of those being the accounts are at least 6 months old.
Can you combine QS1 MC limit to QS Visa platinum? or does it have to be mc to mc?
Yep, they don't care if it's MC or Visa. So far the one thing we (think) we've figured out is that Capital One co-branded cards seem to not be eligible (the GM Card, Sony Card, etc.)
Lots of folks have moved/merged across the MC/V brands. My own two cards, one MC and one Visa, show online to be eligible for merging as well.
Thanks, Uncle
That's a bummer about their co-branded cards.....I was hoping to dump(move the limit) the Sony Card.
So if I have the QS1 & Platinum MC cards, both over 6 months now, does this mean I can't get anymore Cap1 cards period until I combine these & then qualify for another Cap1 card of some type? I was hoping to keep these both for at least a year to get 2x cLI's every 6 months hopefully, then combine them later. I'm trying to catch up to my NFCU $6500 card after combining my 2 Cap1 cards, but am only at $3300 total between the 2 cards so far(just got out of the steps program today on both).
That does help. Thanks! 
