I have an old 2010 account from HSBC that converted to CAP1 and is now a QS1 card with an annual fee of $59 (fee came with the card but Cap1 has been nice and has been waiving it).
I just tried combing it with my QS card was told they cannot combine a Cap1 product with a HSBC product. Am I missing here? Cap1 acquired HSBC therefore, the account is a CAP1 account and should be treated as such. No? BTW, I did this via chat. Should I be calling instead?
Also (very important) it is my oldest open account. If I can work my magic and get CAP1 to combine. Will I keep it's opening date and apr? I want to combine it with my QS card which is a little over a year old and has a 23.15% apr with no annual fee. Thanks!!
Opened: Nov. 26, 2010
Platinum MasterCard
Membership Fees:
$59.00 per year
Purchase APR:
15.15%
Credit Line:
$2,500.00
@FinStar wrote:Speaking to a CSR will likely not make a difference. It's either the accounts are eligible to be combined or not. Individuals have provided successful anecdotes in combining previous non-Capital One products (HSBC/Orchard) without issues while others have not been as successful. You could either keep waiting for a while or decide at some point what the best avenue will be for the card. Perhaps at some point you can try converting from QS1 > QS and *maybe* this will open the doors to combining the accounts.
You can read more about those experiences (granted it's a lengthy read but it's there for a reason and provides a wealth of experiences):
http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Card-Consolidation/td-p/4113430
ETA - if the system eventually allows a combo of your HSBC/QS1 card into QS - you will not preserve the open date of the account once combined. The HSBC/QS1 will be closed and the QS will be the account that retains its open date (i.e. will not backdate).
Eeeeeeekk...well I'm going to try for the QS conversion whem it's eligible. I'll hold on to it for now since it's my oldest open account. Thanks so much!
QS1 apr 15.15% and QS 23.15%
You're a genius! Hahaha I did not think of that. I will do just that in due time. Don't think it's been 6 months since the last product change to QS1. I have a balance on my QS card anyway and I can't combine it now if I wanted to. I did try for a product change last week and the QS1 wasn't eligible.
@DoroLucky wrote:
You're a genius! Hahaha I did not think of that. I will do just that in due time. Don't think it's been 6 months since the last product change to QS1. I have a balance on my QS card anyway and I can't combine it now if I wanted to. I did try for a product change last week and the QS1 wasn't eligible.
Just passing along the knowledge 
So, it sounds like it's just a matter of time since I believe the system restricts any PCs to 6 months. But yes, if you can successfully get the QS1 PC'd to QS, then you can work your magic afterwards. Make sure balances are clear, and if you have some rewards balance, combine the rewards first. If the system doesn't allow the combination of the rewards (I think this was restricted until further notice), then just redeem them for the account that will be closed and then proceed with the account combo.
THANK YOU!!! Last year I wanted to combine rewards and was told, they will resume that in Match or April of this year.
Just checked and the product change to the QS1 took place last April. Hmmm that's beyond 6 months ***scratches***