Trying to get an early account combination after PC at Cap1

[Anonymous]

So, 

Have had a platinum for 7 months that was PCed to a QS1 after credit steps. 

Opened a QS1 in June before this happened, because I'm impatient. 

Used it, maxed it, paid it, sitting at zero balance. Has yet to report, does not have a due date, and every time I call and ask when the first statement will cut they give me a later date (First was early august, then august 12th, now september 1st, still nothing showing online). 

First line CSR said they aren't able to as in they do not have the capability to do it at that level. Is it worth escalating and trying to get it combined before it even reports? My profile is in much better shape and I want to app for a no-fee card anyway with a higher limit, maybe that in combination with the combination ? My other plan was to let get it to the 2 CLIs and auto combine at six months, I just thought it would be nicer to skip the tradeline and start something new, since a six month tradeline isn't exactly earth-shatteringly helpful (especially since I have other credit)

Anyway, thoughts are appreciated. 

[Anonymous]

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@Anonymous wrote:

So, 

Have had a platinum for 7 months that was PCed to a QS1 after credit steps. 

Opened a QS1 in June before this happened, because I'm impatient. 

Used it, maxed it, paid it, sitting at zero balance. Has yet to report, does not have a due date, and every time I call and ask when the first statement will cut they give me a later date (First was early august, then august 12th, now september 1st, still nothing showing online). 

First line CSR said they aren't able to as in they do not have the capability to do it at that level. Is it worth escalating and trying to get it combined before it even reports? My profile is in much better shape and I want to app for a no-fee card anyway with a higher limit, maybe that in combination with the combination ? My other plan was to let get it to the 2 CLIs and auto combine at six months, I just thought it would be nicer to skip the tradeline and start something new, since a six month tradeline isn't exactly earth-shatteringly helpful (especially since I have other credit)

Anyway, thoughts are appreciated. 

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They have clearly set their rules, and with good reason. It is not worth escalating because it won't happen. Wait the 6 months.

[DrZoidberg]

Maybe you should email the EO to ask if you can have them ignore their newly implemented policy on a one month old card.

[kdm31091]

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@Anonymous wrote:

So, 

Have had a platinum for 7 months that was PCed to a QS1 after credit steps. 

Opened a QS1 in June before this happened, because I'm impatient. 

Used it, maxed it, paid it, sitting at zero balance. Has yet to report, does not have a due date, and every time I call and ask when the first statement will cut they give me a later date (First was early august, then august 12th, now september 1st, still nothing showing online). 

First line CSR said they aren't able to as in they do not have the capability to do it at that level. Is it worth escalating and trying to get it combined before it even reports? My profile is in much better shape and I want to app for a no-fee card anyway with a higher limit, maybe that in combination with the combination ? My other plan was to let get it to the 2 CLIs and auto combine at six months, I just thought it would be nicer to skip the tradeline and start something new, since a six month tradeline isn't exactly earth-shatteringly helpful (especially since I have other credit)

Anyway, thoughts are appreciated. 

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I think you need to just give it some time. Escalating to get it combined is a bit much in this case. There's no big rush. Let it report and then combine it later (also, merging an account that just appeared on your report could appear strange on a manual review that it was opened and closed almost right away).

The policy is 6 months and it exists for a reason. You can't just escalate and avoid the policy because you don't feel like waiting. Be patient.

[Anonymous]

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@DrZoidberg wrote:

Maybe you should email the EO to ask if you can have them ignore their newly implemented policy on a one month old card.

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They might as well ask for a gold plated card with 0% interest for life and no preset credit limit while they are at it. The policy is there for a reason, we should be so lucky they are even allowing account combinations now.

[Anonymous]

These reactions are a little over the top. Capital one did not invent account merges two months ago. This is not a new thing to credit cards or banking.

[kdm31091]

No they didnt invent it. But for years they never ever allowed it under any circumstances. Now that it is allowed within clearly defined rules, everyone wants to be an exception to the rule. Pushing envelopes on new policies isnt good.

Luckily the fix is easy here. Simply wait the 6 months

[Anonymous]

Ther are ways to get your point across that are perfectly fine and then there are ways that cross over from informative to unnecessarily sarcastic.  Several of the responses here do that.  Please refrain from doing so

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2797115

[onstar]

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@Anonymous wrote:

Ther are ways to get your point across that are perfectly fine and then there are ways that cross over from informative to unnecessarily sarcastic.  Several of the responses here do that.  Please refrain from doing so

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2797115

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Seems like the myFICO forum tends to baby people. If people say anything that is not supportive of another, then they often get the ettiquette link thrown at them.

I don't think anyone was being too sarcastic (unless you meant post #6 and MAYBE #5). There were some things said that the OP didn't want to hear, but I don't see any sarcasm. Even if they were sarcastic, I think if people are asking for unnecessary things, then the sarcasm thrown at them isn't necessarily unnecessary. (Ok, I didn't necessarily need to say necessary/unnecessary that many times). In this case and point, the OP is being unreasonably impatient. I see no reason why people shouldn't call that out. It's not like people are saying that the OP is being immature or stupid, in which case the etiquette link should be thrown at them.

Anyway, I dream of a day when we can openly call someone stupid IF the situation warranted it. We have too many "congrats" posts (especially in the Approval forum) when the proper response should be, "You get another card? -rolleyes-" or "That was dumb!"

[DrZoidberg]

I may come across sarcastic or as an ass. But I'm not here to hold people's hands and tell them that they can surely get something if they sure try! OP knows the policy, already called and got denied trying to go around that policy then comes here and makes a thread asking if there is another way to go around it. What are we supposed to say?