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Will Cap One merge multiple cards?

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Anonymous
Not applicable

Will Cap One merge multiple cards?

i have two Cap One Platinum cards. I believe one was Orchard Bank and switched over a few years ago.

Will Cap One merge the two account and combine my limits to one card? If so, is there a specific number I could call regarding this? I tried called regular customer service and while they thought that was a good idea, they couldn't do anything about it.
Message 1 of 19
18 REPLIES 18
revjamesl
Valued Contributor

Re: Will Cap One merge multiple cards?

They don't merge accounts, or at lease that's what they told me.

AMEX Platinum NPSL | Discover It $45.9k | Chase Sapphire Reserved $40.7k |Barclay Arrival+ WEMC $40k | PENFED Platinum Rewards VS $35k | Lowes $35k | BoA Better Balance Rewards $30k | AMEX EDP $25k | Cap 1 QS $23.25k | NASA Platinum $20k | Chase Freedom $15k | Synchrony Haverty's $16.5k | BBVA NBA Rockets AMEX $15k | FNBO AMEX $15k | Citi Diamond Preferred $10.7k | Best Buy $10k | Synchrony Rooms-to-Go $10k | US Bank Cash+ $7.5k | AMEX BCE $6k | Barclay Financing Visa 1k | |

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Credit Scores: 800 EQ/833 TU/831 EX
Message 2 of 19
Anonymous
Not applicable

Re: Will Cap One merge multiple cards?

No, it won't be done thus, merging of cards and limits.  Save yourself the time and trouble of calling-

Message 3 of 19
Anonymous
Not applicable

Re: Will Cap One merge multiple cards?

Great question! I would prefer to just have my $30K+ with them all on one card. My concern would be that it would lower my AAoA due to two of the Cap 1 cards being my first out of bankruptcy. There is, however, an old saying; "never put all your eggs in one basket".

Message 4 of 19
icyhot
Valued Contributor

Re: Will Cap One merge multiple cards?

Nope they sure don't
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 5 of 19
Anonymous
Not applicable

Re: Will Cap One merge multiple cards?

They say they're gonna start doing that soon but it can't be done as of now .
Message 6 of 19
SecretAzure
Valued Contributor

Re: Will Cap One merge multiple cards?


@Anonymous wrote:
They say they're gonna start doing that soon but it can't be done as of now .

Where did you hear/read about this? Have a source? Smiley Happy

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 7 of 19
Anonymous
Not applicable

Re: Will Cap One merge multiple cards?

I'm having this same issue, I have two Quicksilver Master cards cards and wanted toknow if they would merge them together.

Message 8 of 19
Ysettle4
Valued Contributor

Re: Will Cap One merge multiple cards?

More specifically, if they do decide to enable the ability to merge cards, then it's them going back to their old policy.  CapOne used to allow credit reallocation up until 2011 so it's nothing new for them

769 INQs: 6774 INQs: 5764 INQs: 8UTIL: 2%AAoA: 5yr 8mosTotal Credit Line: $873,950
Message 9 of 19
SecretAzure
Valued Contributor

Re: Will Cap One merge multiple cards?


@Ysettle4 wrote:

More specifically, if they do decide to enable the ability to merge cards, then it's them going back to their old policy.  CapOne used to allow credit reallocation up until 2011 so it's nothing new for them


And what are the chances of them doing this? Anyone know where previous poster got the info that they were bringing it back?

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MCMust garden until 2/1/2022 to hit my goal AAOA. Smiley Indifferent
Message 10 of 19
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