Quicksilver requested CLI after 3 months

[Anonymous]

I combined 2 of my cards to 1 and they considered that as a credit increase so they won't allow me to have another until 6 mo after the 2 were combined. I have put that card in my drawer. I only have the auto payments of maybe $80 a month on it and I don't use them for anything else. I personally am done with capital one. I have cards that are double and triple the credit line that I can use.

[Anonymous]

Everytime I have received that message it has been a denial.

[Anonymous]

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@Anonymous wrote:
I combined 2 of my cards to 1 and they considered that as a credit increase so they won't allow me to have another until 6 mo after the 2 were combined. I have put that card in my drawer. I only have the auto payments of maybe $80 a month on it and I don't use them for anything else. I personally am done with capital one. I have cards that are double and triple the credit line that I can use.

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Hoping this is the right place to ask, can you tell me about combining the cards? I have qs1 and a platinum card, no balance on either of them.  What exactly is combining? Can I combine those two? My thought of combining would be to put the credit limit onto the card I want to keep and close the other one? Is that accurate?

[Anonymous]

Yes that's what I did. You have to do it online and that is considered an increase even though the reps at capital one said it isn't. 

[Anonymous]

When you combine the 2 cards, the CL is added to the card you want to keep and then they close the other one.

[Anonymous]

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@Anonymous wrote:
When you combine the 2 cards, the CL is added to the card you want to keep and then they close the other one.

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im assuming it automatically closes the account? They don't do any hard pulls or anything?  Seems like it's to simple to do...

[Kirmie2010]

I get that message or another one if I request too often.

I got about 9 of those letters, 1 turned out to be a CLI.

(my credits bad, i wasnt expecting CLI any of the times)

good luck!

[Benzman]

I have gotten that letter each time I request a CLI, and like the others said, always a denial. It always says I don't make a large enough payment each month, yet I pay double of what i am supposed to. Maybe I should triple it? LOL

[Anonymous]

I have requested CLI via the love button and every single time they approved me for one it told me what my new CL would be.  I find it hard to believe anyone actually got an approval after getting that dreaded message.  Just my 2 cents.  

[Anonymous]

well i just did today it told me the whole 2 to 3 day document thing then a couple of hours later I got a $2000 Cli maybe they are changing idk