@_NERD wrote:I opened a QS VS with a 5k SL back in May 2016. I was wandering around the forum trying to learn something new because, well, that's what you do when you're in the Garden Club. I want to combine my QS1 I opened in July 2015 into my 3 or 4 month old QS VS (or vice versa), but both accounts have balances. I hit the LUV button on the QS VS acct and was approved for a $500 increase. I don't want this small CLI to be the only action on this account for 6 months.
I didn't accept or decline the offer, I just closed the browser tab and ran over here to tell y'all about it. Anyone have any advice? Wait a few more months? Hit up the EO for account combination? Leave the accounts alone for now? Where's Uncle B to set me straight?
Thanks in advance
Hello my friend... sorry I'm a little late to the party! 
I would hold off on this offer as well... as a data point, when I got my QS Visa Signature last April I also got a $5k credit line, and I used it fairly hard for 2-3 months (roughly $1500 each month) and when I hit "the button" I was offered a $2k CLI (which I accepted). I then got another $1k December 2015 and again got another $1k two months ago. My limit is now $9k.
Some on here will say that running usage through a card to get a CLI is a "meme", but with Capital One specifically I can say that in my case it has made a difference. As a 'control' I have my other QS card, which they are now denying any CLIs at all due to "not enough usage" (which is true... I've hardly used it at all this year).
If it were me and I wanted a larger CLI offer, I would send more usage though the QS for a couple of months then try again... while there's no guarantee I suspect you'll get a better offer than $500. Of course there's the usual disclaimer that these things are always YMMV.
As for account combination, that's possible once your accounts are both six months old (officially) and the card you will be closing has a zero balance. 'Unofficially', you should be able to do a combination once the donor card is six months old (in practice the age of the card you are keeping doesn't seem to matter). Just keep in mind that the combination will also 'count' as a CLI, so you'll want to get CLIs on your cards individually before combining. (Getting a CLI won't impact your ability to combine accounts.)
As for the EO, with Capital One the EO is fairly useless for most people these days unless you're having a genuine out-of-the-box problem (and even then, their abilities are limited). For the handful of people who are still unable to combine accounts (due to a system glitch) the EO so far has been unable help with that, so if your unable to get the online tool to work the only thing you can do is to keep trying. (For the record, I think this is an epic customer service 'fail'.)
To sum it up, I would probably hang on a little bit longer for a better CLI offer on the QS Visa, and I would see about getting them to PC your QS1 to a QS... that way at least you won't be bothered with the AF while you're putting some 'muscle' on the cards. Once you get both cards limits built up a little bit, you can decide if you want to combine them.
As always, these are just my thoughts and I will be supportive no matter what you decide. There have been lots of other good posts in this thread as well, and only you will know what's right for your situation. 
(P.S. It's good to hear from you again!)
@UncleB wrote:
@_NERD wrote:I opened a QS VS with a 5k SL back in May 2016. I was wandering around the forum trying to learn something new because, well, that's what you do when you're in the Garden Club. I want to combine my QS1 I opened in July 2015 into my 3 or 4 month old QS VS (or vice versa), but both accounts have balances. I hit the LUV button on the QS VS acct and was approved for a $500 increase. I don't want this small CLI to be the only action on this account for 6 months.
I didn't accept or decline the offer, I just closed the browser tab and ran over here to tell y'all about it. Anyone have any advice? Wait a few more months? Hit up the EO for account combination? Leave the accounts alone for now? Where's Uncle B to set me straight?
Thanks in advance
Hello my friend... sorry I'm a little late to the party!
I would hold off on this offer as well... as a data point, when I got my QS Visa Signature last April I also got a $5k credit line, and I used it fairly hard for 2-3 months (roughly $1500 each month) and when I hit "the button" I was offered a $2k CLI (which I accepted). I then got another $1k December 2015 and again got another $1k two months ago. My limit is now $9k.
Some on here will say that running usage through a card to get a CLI is a "meme", but with Capital One specifically I can say that in my case it has made a difference. As a 'control' I have my other QS card, which they are now denying any CLIs at all due to "not enough usage" (which is true... I've hardly used it at all this year).
If it were me and I wanted a larger CLI offer, I would send more usage though the QS for a couple of months then try again... while there's no guarantee I suspect you'll get a better offer than $500. Of course there's the usual disclaimer that these things are always YMMV.
As for account combination, that's possible once your accounts are both six months old (officially) and the card you will be closing has a zero balance. 'Unofficially', you should be able to do a combination once the donor card is six months old (in practice the age of the card you are keeping doesn't seem to matter). Just keep in mind that the combination will also 'count' as a CLI, so you'll want to get CLIs on your cards individually before combining. (Getting a CLI won't impact your ability to combine accounts.)
As for the EO, with Capital One the EO is fairly useless for most people these days unless you're having a genuine out-of-the-box problem (and even then, their abilities are limited). For the handful of people who are still unable to combine accounts (due to a system glitch) the EO so far has been unable help with that, so if your unable to get the online tool to work the only thing you can do is to keep trying. (For the record, I think this is an epic customer service 'fail'.)
To sum it up, I would probably hang on a little bit longer for a better CLI offer on the QS Visa, and I would see about getting them to PC your QS1 to a QS... that way at least you won't be bothered with the AF while you're putting some 'muscle' on the cards. Once you get both cards limits built up a little bit, you can decide if you want to combine them.
As always, these are just my thoughts and I will be supportive no matter what you decide. There have been lots of other good posts in this thread as well, and only you will know what's right for your situation.
(P.S. It's good to hear from you again!)
Unlce B whattup playa?!
The level of sophistication I knew your resonse would contain is exactly why your comments should be stickied. When you show up to a post and drop a comment, it's like Tron Legacy when the dude enters the club: puts his hand on the ground, shuts everything down, and the whole game changes. Okay enough about you......
Thanks for the 411. I'll follow it to the letter. Now if I do the CLI on the two accounts prior to account combination. does that mean I can't combine them for another 6 months?
@_NERD wrote:
@UncleB wrote:
@_NERD wrote:I opened a QS VS with a 5k SL back in May 2016. I was wandering around the forum trying to learn something new because, well, that's what you do when you're in the Garden Club. I want to combine my QS1 I opened in July 2015 into my 3 or 4 month old QS VS (or vice versa), but both accounts have balances. I hit the LUV button on the QS VS acct and was approved for a $500 increase. I don't want this small CLI to be the only action on this account for 6 months.
I didn't accept or decline the offer, I just closed the browser tab and ran over here to tell y'all about it. Anyone have any advice? Wait a few more months? Hit up the EO for account combination? Leave the accounts alone for now? Where's Uncle B to set me straight?
Thanks in advance
Hello my friend... sorry I'm a little late to the party!
I would hold off on this offer as well... as a data point, when I got my QS Visa Signature last April I also got a $5k credit line, and I used it fairly hard for 2-3 months (roughly $1500 each month) and when I hit "the button" I was offered a $2k CLI (which I accepted). I then got another $1k December 2015 and again got another $1k two months ago. My limit is now $9k.
Some on here will say that running usage through a card to get a CLI is a "meme", but with Capital One specifically I can say that in my case it has made a difference. As a 'control' I have my other QS card, which they are now denying any CLIs at all due to "not enough usage" (which is true... I've hardly used it at all this year).
If it were me and I wanted a larger CLI offer, I would send more usage though the QS for a couple of months then try again... while there's no guarantee I suspect you'll get a better offer than $500. Of course there's the usual disclaimer that these things are always YMMV.
As for account combination, that's possible once your accounts are both six months old (officially) and the card you will be closing has a zero balance. 'Unofficially', you should be able to do a combination once the donor card is six months old (in practice the age of the card you are keeping doesn't seem to matter). Just keep in mind that the combination will also 'count' as a CLI, so you'll want to get CLIs on your cards individually before combining. (Getting a CLI won't impact your ability to combine accounts.)
As for the EO, with Capital One the EO is fairly useless for most people these days unless you're having a genuine out-of-the-box problem (and even then, their abilities are limited). For the handful of people who are still unable to combine accounts (due to a system glitch) the EO so far has been unable help with that, so if your unable to get the online tool to work the only thing you can do is to keep trying. (For the record, I think this is an epic customer service 'fail'.)
To sum it up, I would probably hang on a little bit longer for a better CLI offer on the QS Visa, and I would see about getting them to PC your QS1 to a QS... that way at least you won't be bothered with the AF while you're putting some 'muscle' on the cards. Once you get both cards limits built up a little bit, you can decide if you want to combine them.
As always, these are just my thoughts and I will be supportive no matter what you decide. There have been lots of other good posts in this thread as well, and only you will know what's right for your situation.
(P.S. It's good to hear from you again!)
Unlce B whattup playa?!
The level of sophistication I knew your resonse would contain is exactly why your comments should be stickied. When you show up to a post and drop a comment, it's like Tron Legacy when the dude enters the club: puts his hand on the ground, shuts everything down, and the whole game changes. Okay enough about you......
Thanks for the 411. I'll follow it to the letter. Now if I do the CLI on the two accounts prior to account combination. does that mean I can't combine them for another 6 months?
Thanks as always for the kind words, and I'm loving that Tron reference! (Big fan of both the original and Legacy...)
You can get a CLI on one or both then immediately combine, no problems there - lots of folks actually plan it out that way to maximize their credit line. When I received my last two CLIs on my QS Visa Sig the first thing I did was go and check to see if the combine option still worked, and it did. Other folks report that getting a CLI didn't hose up their combination, either. 
However once you combine, it seems the Capital One computer 'sees' that as a CLI on the card you keep, so there's the usual wait before they will consider a 'regular' CLI. The language on the site used to suggest this, but it's a bit vague (to me). However the good folks on here have reported that after a combination they did have to wait for a CLI so it appears to be a 'thing'.
Something else I figured out the last few months is that Capital One apparently doesn't consider a BT to be 'usage' for CLI purposes. Back in March I did a BT on my QS Mastercard for $2500 (limit is $3900) and paid it off after a month (my other usage was only small stuff, less than $100 each month). My largest transaction on the QS Visa Sig was $1800, also quickly PIF and similarly my only other swipes were tiny, usually $50 or so each month. When it came time to request CLIs on both, the QS Visa was given $1k, while the QS MasterCard was denied due to 'not enough usage', even though if you count the BT the usage on the MC was actually higher than the Visa (both in dollar amount and percent of credit line). So apparently when it comes to offering CLIs, they really want to see purchases (or at least they do for me).
Uncle B,
The info regardling account combo immediately after CLI's is majestic. I just got hit with the AF on the QS1, thinking about chatting with Cap 1 and seeing about getting that fee credited back to the account.
Thanks again.
@Anonymous wrote:
Why do you have to contact the EO to combine accounts? You can do that yourself on their Web site. The card you want to close has to be open for six months and have a zero balance.
Thank you.
@_NERD wrote:Uncle B,
The info regardling account combo immediately after CLI's is majestic. I just got hit with the AF on the QS1, thinking about chatting with Cap 1 and seeing about getting that fee credited back to the account. Should I keep the QS VS as the destination card or the QS1?
Thanks
I would definitely hit them up about that fee... at a minimum they should be able to waive half of it, but I'm thinking you'll likely get all of it waived... many folks have been sucessful with that lately. Now that your fee has posted it's actually the perfect time to check with them, since historically they were never able to help me until the fee was charged.
Which card to keep was definitely a head-scratcher in my case. For me, account age, APR, and BT offers were all considered. Since your cards are only one year apart in age you don't have to be as concerned about that, and if your APRs are similar that might not matter either. However, for me the AF would be a definite deal-breaker for the QS1... if they refuse to PC it to a QS I would lean heavily toward combining into the QS Visa, and letting the QS1 go.
Since my MasterCard was a 'legacy' HSBC/Orchard Bank account the AF was $79 (!), so the AF was a really big deal for me - it's actually the entire reason I got the QS Visa to begin with (they weren't combining at the time I got the Visa). Truthfully, my intention was to simply close the QS1 to avoid the AF. When they started allowing cards to be 'combined' my plans changed... I ended up paying a 'half' AF one last time, and months later they finally allowed me to PC to a QS MasterCard. In my case, the QS MasterCard is quite a bit older (nine years) and has a lower APR (15.15%) but the only BT offer is at the regular purchase rate (with no fee). On the other hand, my QS Visa Sig has an APR of 18.15%, but it has a 'standing' offer for a BT promotion of 0% for 18 months with a 3% fee.
Sorry for making this post about 'me', but I'm just trying to share my own thought process when I had to decide which card to keep... ironically, in my case each card has it's 'pros' so I decided to simply keep them separate (at least for now). I will stress, though, that I was seriously adverse to paying that AF again... even when they waived half of it (as they did the last few years) I was still paying more than a brand-new cardholder, which was a source of irritation each summer when it came time to make that phone call.
Finally, I'll add that many folks on here feel that the QS Visa is "higher up" than the QS MasterCard, and will likely suggest for you to keep it. If you need/use Signature benefits that would also weigh heavily, otherwise it comes down to simply which you prefer, especially if you get rid of that QS1 annual fee.
tl;dr version... if you can't get the QS1 changed to a QS, if everything else is equal (or nearly equal) I would lean heavily toward eventually combining and keeping the QS Visa.
@UncleB wrote:
@_NERD wrote:Uncle B,
The info regardling account combo immediately after CLI's is majestic. I just got hit with the AF on the QS1, thinking about chatting with Cap 1 and seeing about getting that fee credited back to the account. Should I keep the QS VS as the destination card or the QS1?
Thanks
I would definitely hit them up about that fee... at a minimum they should be able to waive half of it, but I'm thinking you'll likely get all of it waived... many folks have been sucessful with that lately. Now that your fee has posted it's actually the perfect time to check with them, since historically they were never able to help me until the fee was charged.
Which card to keep was definitely a head-scratcher in my case. For me, account age, APR, and BT offers were all considered. Since your cards are only one year apart in age you don't have to be as concerned about that, and if your APRs are similar that might not matter either. However, for me the AF would be a definite deal-breaker for the QS1... if they refuse to PC it to a QS I would lean heavily toward combining into the QS Visa, and letting the QS1 go.
Since my MasterCard was a 'legacy' HSBC/Orchard Bank account the AF was $79 (!), so the AF was a really big deal for me - it's actually the entire reason I got the QS Visa to begin with (they weren't combining at the time I got the Visa). Truthfully, my intention was to simply close the QS1 to avoid the AF. When they started allowing cards to be 'combined' my plans changed... I ended up paying a 'half' AF one last time, and months later they finally allowed me to PC to a QS MasterCard. In my case, the QS MasterCard is quite a bit older (nine years) and has a lower APR (15.15%) but the only BT offer is at the regular purchase rate (with no fee). On the other hand, my QS Visa Sig has an APR of 18.15%, but it has a 'standing' offer for a BT promotion of 0% for 18 months with a 3% fee.
Sorry for making this post about 'me', but I'm just trying to share my own thought process when I had to decide which card to keep... ironically, in my case each card has it's 'pros' so I decided to simply keep them separate (at least for now). I will stress, though, that I was seriously adverse to paying that AF again... even when they waived half of it (as they did the last few years) I was still paying more than a brand-new cardholder, which was a source of irritation each summer when it came time to make that phone call.
Finally, I'll add that many folks on here feel that the QS Visa is "higher up" than the QS MasterCard, and will likely suggest for you to keep it. If you need/use Signature benefits that would also weigh heavily, otherwise it comes down to simply which you prefer, especially if you get rid of that QS1 annual fee.
tl;dr version... if you can't get the QS1 changed to a QS, if everything else is equal (or nearly equal) I would lean heavily toward eventually combining and keeping the QS Visa.
I'll combine and keep the QS VS. There's 10 months of 0% interest left and I like the no AF. I don't use the VS benefits yet. I don't like the look of a subprime card in the deck anymore, even though it got me where I am today.
Per the reply above yours, the donor account needs to have a zero balance + 6 months age. That means my QS1 card will be eligible when I zero out the balance. I'm going to take care of the balance immediately and combine after a statement or two. I tried to use the combine link in my account and got the finger from Cap 1. One of the reasons states both accounts must be at least six months old and have zero balances. I'm going to lean towards everyone's experience here and assume I only need to zero the balance on the QS1 and I can combine it into the QS VS & close the QS1.
I am not sure if mentioned yet, but someone mentioned the $0 balance you need to account combo.
Just wanted to contribute to the fact that you also need a $0 rewards balance as well.
Loved the uncle b reference in your OP lol.
Good luck with your account combo! It is quite fun, combo'd 1 venture and 2 QS a couple months ago into my giant qs card.
Oh yeah and everyone said it too but if you request a limit one week, then wait 2 more weeks you might see a nice difference. I requested once and only got $300. Waitied 3 weeks later and got $3000.
@Anonymous wrote:I am not sure if mentioned yet, but someone mentioned the $0 balance you need to account combo.
Just wanted to contribute to the fact that you also need a $0 rewards balance as well.
Loved the uncle b reference in your OP lol.
Good luck with your account combo! It is quite fun, combo'd 1 venture and 2 QS a couple months ago into my giant qs card.
Oh yeah and everyone said it too but if you request a limit one week, then wait 2 more weeks you might see a nice difference. I requested once and only got $300. Waitied 3 weeks later and got $3000.
Great catch on the rewards... I didn't think to mention that earlier but before combining accounts you definitely want to cash out your rewards on the card you're closing, if there are any.
I'll just add that it is possible to combine accounts with rewards not being at zero, but you'll forfeit anything that's left on the donor card. Also notable is a few months back they brought back the ability to transfer rewards to a different card so there's really no reason to let anything go. It's a bit 'buggy' for me - I can only transfer rewards in one direction for some reason - but at least it's back online (they had taken the feature down last September).
Even if you don't think about it, though, Capital One does the right thing... before going forward with a combination they even give you one last chance to redeem your rewards from the combination screen itself (see first yellow box at bottom of pic):
