Why doesnt Cap 1 combine limits

[Callandra]

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@Anonymous wrote:

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@core wrote:

Capital One's answer to everything is "apply for another card and cancel your old one(s)".  They look for any excuse possible to give you another triple hard pull and ding your AAoA.  This is so they can trash your reports as much as possible and keep you loyal.  They just love to leave their mark.  They are worse than dogs and fire hydrants. 

If they let people combine limits, the folks would be more inclined to keep their existing card rather than applying for a new one with a much larger limit.  That more frequent the permissible purpose the better for them.

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Don't know why exactly...It costs them money to do HP.

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Just a policy I guess...where I work, if someone buys the wrong item and wants to switch to something that costs more, we refund it and make them buy it again. That winds up costing us money because there's a swipe fee associated with refunds as well as purchases. (The cheaper way would be to take their card info, manually process a payment and then create the order -- more work, but saves the refund fee; however, we almost never do that)

[kdm31091]

I agree it's annoying, but every issuer has their own annoying policies, so let's not be unfair. For example, like someone mentioned, Chase not lowering APR even after years and years of good usage. They may not outright say it, but to get a better APR, or even a big CLI, you almost always have to apply for a new product -- same thing you have to do with Capital One. Yes, Chase doesn't triple pull, but otherwise it's the same thing -- if you want a better CL or APR with Chase you have to just reapply. So it's not entirely unique to Capital One.

[Anonymous]

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@Dw4250 wrote:
Why can't I get a date with Katy Perry or Halle Berry? Why?!?!?

If you get a rejection, try reconning.  Don't have the backdoor number handy but I'm sure someone has.  Just be prepared to explain why you would be such a great date, and minimize any baddies in your record, e.g. "Yes, I did spend some time in jail for assault, but that was several years ago and since then I have a spotless record"

[Anonymous]

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@Anonymous wrote:

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@Dw4250 wrote:
Why can't I get a date with Katy Perry or Halle Berry? Why?!?!?

If you get a rejection, try reconning.  Don't have the backdoor number handy but I'm sure someone has.  Just be prepared to explain why you would be such a great date, and minimize any baddies in your record, e.g. "Yes, I did spend some time in jail for assault, but that was several years ago and since then I have a spotless record"

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Lol...

So by this analogy would BK be akin to a suspended sentence with a long probation?

[Imperfectfuture]

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@Anonymous wrote:

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@Anonymous wrote:

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@Dw4250 wrote:
Why can't I get a date with Katy Perry or Halle Berry? Why?!?!?

If you get a rejection, try reconning.  Don't have the backdoor number handy but I'm sure someone has.  Just be prepared to explain why you would be such a great date, and minimize any baddies in your record, e.g. "Yes, I did spend some time in jail for assault, but that was several years ago and since then I have a spotless record"

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Lol...

So by this analogy would BK be akin to a suspended sentence with a long probation?

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Yes, with BK 13 taking time off for rehab participation.

[ecxpa]

I say its because of the AF.....most folks who have a low limit on their  Cap 1 card usually have one with an AF.  Why would they combine limits on say 3 cards and end up with 1 AF........just my 2 cents worth

[Anonymous]

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@CreditGuy03 wrote:

When other card issuers do? Makes no sense to have 3 cards with toy limits when I can combine one with a decent limit

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I sure wish they would!  I'd do it immediately.