To Combine or Not to Combine?

[Anonymous]

I have a Capital One Quicksilver VISA $3,500 and Quicksilver One MC $4,000. The MC has an annual fee of $19.00. Is it best not to combine them because I'll receive more credit limit increases in the future? The reason why I would like to combine them is because if they decline to upgrade my MC card to no annual fee or to waive the fee, I'd have to pay them $19.00 for the MC next month. 

[Anonymous]

When is the last time you received a CLI on the annual fee card?  If it's due for an increase soon it might be worth the fee, then combine them after. That's what I'm doing.

[Anonymous]

Combine. No reason to pay an annual fee when it's not worth it, and from what I've heard Capital One has credit caps on the "average credit" cards that they don't have for the "excellent credit" cards, so you're likely to continue to get limit increases for your Quicksilver Visa, whereas they may stop giving increases to the Quicksilver One after it hit a certain limit.

[Anonymous]

Less than a month ago. It was automatic andincreased by 100%. I don't know why they are so stubborn to upgrade to no annual fee. This MC card was upgraded from Journey to Quicksilver One last Sept.

[Anonymous]

---

@Anonymous wrote:

...they may stop giving increases to the Quicksilver One after it hit a certain limit.

---

Do you know what the maximum limit is for Quicksilver One MC?

Also I heard that if they charge my account $19.00 next month and they decline to waive it, I can combine the account at that moment which would close MC and they would refund or delete the $19.00 fee?

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

...they may stop giving increases to the Quicksilver One after it hit a certain limit.

---

Do you know what the maximum limit is for Quicksilver One MC?

---

I don't know, but I've read posts from people who have both upper and lower tier Capital One cards, and they said upper tier cards got larger CLIs

[RonM21]

If you already got the increase, then combining may not be a bad idea

[Anonymous]

For some reason they are declining to upgrade my Quicksilver One MC to a Regular Quicksilver without annual fee. I use the card and PIF every month. Same thing with my QS VISA. I have a squeaky clean credit report and PIF all my cards unless the card has a 12-21 months interest free (even here, I keep it under 30% usage). Capital One even keeps record each time I request the upgrade.

If they don't waive the fee next month I will have no choice but to combine accounts and close the QS MC. Can someone confirm that if I cancel the card on the month they charge the annaul fee ($19.00) I am not obligated to pay that amount? I heard that in order to combine accounts both have to have a zero balance but the QS MC will show a balance of $19.00. I guess I would either have to pay the $19.00 and have it refunded or speak to a Capital One agent?