I have three Cap1 cards, two are Quicksilvers (one MC, one Visa), plus the Walmart Rewards MC. My two Quicksilvers are about 10 years old; they have very low limits--one is $4,000 and the other $4,500; my WM MC's limit is $10,000. I've tried and tried to get CLIs on all three cards, to no avail. I've been moaning and complaining about this for a while, and also the fact that I'm kind of annoyed by having too many cards. Juggling 15 to keep them from closing due to inactivity is a pain!
So I'm thinking about closing BOTH of the QS cards--but, is it feasible that Cap1 could transfer their credit limits to the remaining card? I'd get my long-overdue CLI on the WM MC that way, *and* I'd get rid of two of my lowest limit cards--cards I'm really not even using any more.
Has anyone successfully tried this with Cap1? Will they let you move the entire CL to another card under these circumstances? I know from experience with Amex that they require you leave a certain amount on the card you're transferring FROM, but that assumes you're keeping all the accounts open. What if you're closing them?
FWIW, yes, I've thought about the impact closing these two cards will have on my scores, and I don't think it'll be much of a hit. Their 10-year histories are nice, but with such low limits they're not adding much to my TCL, and I'd just as soon be rid of them. Thoughts on this?
Sorry to be the bearer of bad news, @SoCalGardener but Capital One no longer allows consolidation of credit limits. They previously did (and may again in the future) but it's been this way now for at least a couple of years.
How hard have you tried to grow the Quicksilvers, though? The limits are not truly small by Capital One standards, so they don't appear to be restricted by bucketing. I grew a $1K SL card to $25K with them, so it can be done with time and diligence, if you are motivated to grow them. They normally grow slowly and need to see moderate to heavy spend before they will grow.
@SoCalGardener wrote:I have three Cap1 cards, two are Quicksilvers (one MC, one Visa), plus the Walmart Rewards MC. My two Quicksilvers are about 10 years old; they have very low limits--one is $4,000 and the other $4,500; my WM MC's limit is $10,000. I've tried and tried to get CLIs on all three cards, to no avail. I've been moaning and complaining about this for a while, and also the fact that I'm kind of annoyed by having too many cards. Juggling 15 to keep them from closing due to inactivity is a pain!
So I'm thinking about closing BOTH of the QS cards--but, is it feasible that Cap1 could transfer their credit limits to the remaining card? I'd get my long-overdue CLI on the WM MC that way, *and* I'd get rid of two of my lowest limit cards--cards I'm really not even using any more.
Has anyone successfully tried this with Cap1? Will they let you move the entire CL to another card under these circumstances? I know from experience with Amex that they require you leave a certain amount on the card you're transferring FROM, but that assumes you're keeping all the accounts open. What if you're closing them?
FWIW, yes, I've thought about the impact closing these two cards will have on my scores, and I don't think it'll be much of a hit. Their 10-year histories are nice, but with such low limits they're not adding much to my TCL, and I'd just as soon be rid of them. Thoughts on this?
I too have three cards with Capital One. My Walmart MC card has the same $10,000 CL as yours. Since none of my Capital One cards have an AF I would not worry about it. Honestly, when I go out to a restaurant or somewhere that I have to give my card to someone and it is taken out of my line of sight I do worry. What if my card is coppied while not in my presence? For this reason I only use my lowest CL cards when I go out. Always a $5,000 CL card. I will never AGAIN give a card with a higher CL to anyone to take out of sight to run. So I would keep the two low credit line cards for that purpose.
It has happened to me with one of my Chase Cards. I went to a hotel, gave the clerk my card which I only use a few times a year or so. The next week I had over 220 charges that where not mine. OK, it is not really Chase's fault, but dont you think they should have put on some kind of fraud detection? They never did. I noticed it on my own. This was about 12 years ago but you never forget something like this and the mounds of paperwork was just crazy.
To avoid this moving forward I am careful when I now hand over one of my cards.
Keep them as I do not think Capital One will combine them into one card anymore anyway. I could be wrong but I really need a low $1,000 card to use for these types of transactions. Any suggestions? hehehe. OK I am in the garden. This garden thing aint easy
Thanks
Mark
Well, phooey!! 
Since I can't seem to get a CLI for any of the three Cap1 cards, I was really hoping this idea would pan out.
@Aim_High, I haven't tried super-hard or anything to grow the Quicksilvers, just an occasional CLI request....which is always instantly denied. Their reasons range from logical to ridiculous! Bottom line, though, all three cards appear to be bucketed. In fact, I can't recall a single report of anyone here getting their WM MC limit raised *after* Cap1 acquired their account, so that appears to be impossible. The reason I don't use the Quicksilvers more is because of their low limits. If I put anything of substance on them, my utilization goes through the roof. (I'm FIRMLY not in the 'pay as you charge' club, therefore my balances do get reported. I do PIF the Cap1 cards (because of their outrageously high APRs), but by then they've already reported. Of course, the dip is temporary.) Can you recall what steps you took to grow your Cap1 as you did?
@SoCalGardener wrote:@Aim_High, I haven't tried super-hard or anything to grow the Quicksilvers, just an occasional CLI request....which is always instantly denied. Their reasons range from logical to ridiculous! Bottom line, though, all three cards appear to be bucketed. The reason I don't use the Quicksilvers more is because of their low limits. If I put anything of substance on them, my utilization goes through the roof. (I'm FIRMLY not in the 'pay as you charge' club, therefore my balances do get reported. I do PIF the Cap1 cards (because of their outrageously high APRs), but by then they've already reported. Of course, the dip is temporary.) Can you reacll what steps you took to grow your Cap1 as you did?
Sure, @SoCalGardener, I remember it well how I grew the limits and I've posted about it in detail.
Your first mistake with the CLI is "I haven't tried super-hard or anything to grow the Quicksilvers, just an occasional CLI request." Capital One is in the group of lender that won't give you anything unless you're putting some dedicated effort (spend) into the equation. So if you're just hitting the CLI without a thought, it's unlikely to yield results. What I suggest is giving it a try for a few months. They just want to see you use a significant portion of your existing credit limit before they give you more, assuming other credit factors are in good order. If your limits are $4,000 and $4,500, you just need to spend at least $1500 to $2000 over a few months before asking, so maybe $300 to $500 consistently for a few months. My data points have suggested a spend level of about 45% of CL is needed in between increases and you can get one every six months. The increases at lower limits are often smaller ($1K to $1.5K) and may get larger ($3K or so) as your limits grow.
You don't have to put $2K per month on them, just over a few months, so no worries about the temporary high utilization. However, keep in mind that utilization has no long-term memory so if your utilization spikes with a high balance, your scores will rebound as soon as you pay if off. If you aren't applying for new credit, it really doesn't matter as long as you're not carrying high utilization over the long term where lenders begin to worry if you're over-extended.
You're in the "chicken-or-the-egg" scenario. Your low limits keep you from using the card more from your perspective, but from Capital One's perspective, they won't give you higher limits because you aren't using the card!! Lol 
You're in a stand-off and it won't change unless you decide to break the cycle by using the card. I just went through the same dilemma with Goldman Sachs Apple card. Until I was willing to put significant spend on the card, it wouldn't grow. This year, I grew it from $20K to $30K and now to $40K. Goldman Sachs and Capital One are a lot alike when it comes to their desire to see spending relative to the current credit limit.
BTW, as for the outrageously high APR, Capital One may lower your APR. Just call and ask. My Quicksilver is currently at 11.90% APR even though the current advertised range is 14.99% to 24.99%. It's not a bad rate for a rewards credit card.
My last approval to $25K had a lot of data points and summary of my Quicksilver card growth. See my thread link and also THIS LINK about Capital One CLIs from @Curious_George2. Plus, a search for Capital One in the various card forums will yield many other discussions and data points about their CLIs. They do have "bucketed" cards that will not grow, regardless of spend, but I don't think I've read of a card with a limit at $4K or above that was bucketed. Those are usually small limits of $500 to $1K or so.
@SoCalGardener also see THIS LINK with some interesting discussion and graphics about an "experiment" I did with utilization. I ran up a 98% utilization on a new card with a BT offer (to build usage history) and show what happened to FICO before, during, and after. If your overall profile is in good shape and you're not getting in over your head, running up a high utilization for the short term is not dangerous. It's only if you carry it and don't make progress paying it down. I've been "balance-chased" before but that was a completely different scenario that short-term high utilization on a single card. As long as you're not planning to apply for new credit before the FICO rebounds, the temporary score ding is inconsequential and is quickly recovered.
Thank you so much for the excellent, detailed information, @Aim_High. I'm going to read the links and take it all to heart.
You're absolutely right that I'm not doing much more than occasionally hitting the CLI button. And, yeah, it's because of the cycle you noted! Maybe I should put on hold my idea of closing both of these cards, and instead make an actual effort to break the cycle for a few months to see if anything changes. I have nothing to lose, right? If they were AF cards, that would be different, but they're not.
I actually did use both QS cards recently, but definitely not in the range you suggested. I posted about it, i.e., Cap1 not giving me credit for a 7.5% Chewy offer. Although it was ultimately resolved, it soured me on Cap1 even more; it took five months and a long phone call to get it straightened out. By contrast, when I use my Amex BCP to buy groceries, I don't even THINK about being accurately credited, and on a timely basis, for my 6% cash back. It just happens. If I'm going to attempt using my QS cards as you suggested, it might be best if I stayed away from any of their 'special' deals, and just stick with whatever their basic rate is.
Thanks again, your input is appreciated. 
@FalconSteve wrote:
@SoCalGardener wrote:Juggling 15 to keep them from closing due to inactivity is a pain!
If you set billpay to send $1 every 3-6 months, You don't have to juggle. They credit your account and they send it back after about 60 days (except Truist, they held my money for months).
I have to admit, this has never dawned on me!! 
I'm just wondering if that really counts as activity, though. In your experience--since it sounds like you do or have done this--has it ever led to account closure anyway?