2 Cap. One Cards, should I combine ?

Hi. I am wondering what I should do, if I should combine these cards. Both are from Capital One. Card #1- Cap. One Platinum , opened acct.-01/2014. $100 dollar balance, $1500 Limit Card #2- Cap. One Quicksilver, opened-04/2015, $300 dollar balance, and now they gave me a cli to $3500 Should I just keep these two cards open, or combine them? I have been rebuilding my credit since 01/2014, and the Cap. One was the first card I started this journey with, started with a $300 credit limit. Just looking for some advice. Thanks!

Couple options. What are the APRs on each of the cards (or regular apr after promotional APR) If they are high and you tend to carry a balance, some may say its hard with capital one to get APR perm reduced. Better to wait and reapply with a preapproval that has a low APR. Then again you are using 3 more inquiries. I would also think that since these limits are not huge, you would have more CLI potential going between two separate cards. You could get another CLI or two, then combine. Def the one with 1500. You cant combine them until october, both cards must be 6 months old, at least one with a 0 balance. I see why you are considering though. End up with a 5k QS. You could take both of those cards and use them for anything and everything instead of debit card. Pay off monthly. If you dont see a CLI in 6 months, then combine. Both have no AF I assume?

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darrell11 wrote:
c00mtg wrote:
darrell11 wrote:
c00mtg wrote:
darrell11 wrote:
thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?Ventures have AF but you can downgrade to Venture1 before AF posts. You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.mtg, did you mean upgrade? So you don't have to pay teh fee when you get the card?No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF. Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points. It wll depend on how much you spend/month.ok, you can tell I'm pretty new to the card biz, but talk like this really helps. I have only had my current cards for 2 months.No worries...how much do you spend per month on things/bills you can pay with a credit card?

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Brachra2055 wrote:
So, myself and my 2 roommates had all applied to capital one cards on the same day (mine was actually 1 day earlier). and we all received the YOUR CARD HAS SHIPPED email at exactly 3:45am at the same time. The thing thats kinda weirding me out though? Only 1 came in for one of the roommate (he was approved for 2), got both shipped emails at the same time. His other one and mine, as well as my other roomates have not come in. Im just slightly worried that maybe they got jacked out of the mail. Anyone have this happen to them before?I wouldn't worry. Whether they were actually shipped out at the same time is questionable and even if they were the handling and delivery of mail is anything but an exact science. The other cards will show up on Mondau or Tuesday.

Have You Been Thought This Situation With Cap One...

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Andy77 wrote:
Thank you for the feedback I have another card with them with a 10k limit, too. What I could do with that one, instead of the one with the 23k limit is.. Pay off the bal now which is 7500charge 10k pay itcharge another 10kpay itcharge 2kpay it All the above in one month So far cap one has given me 33k on two cards So which card should I do this with the 10k limit card (I have never received an increase on this card) or the 23k limit card ? Andy, Last week they briefly (24 hours) opened up combining limits. They took it down to fix bugs but said it'd be back. You could at that point combine the two for a larger limit, then push a bunch of money through it, and then get a nice CLI (hopefully). Just a thought.

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SuperMarioTex wrote:
Sure! Experian is 621, and 602, 600 ( Trans/Eq). Currently, I have a Wells Fargo Secured Card ( $300 Limit), which is almost 3 years old (long time for secured I know). The two new capital one cards both have $1,000 limits. I still have 3-4 baddies ( small amount med collections) that I will get removed within in the next 2-3 months via PFD. Additionally, I have a judgement ($1,800), which is 6 years old reporting on both Trans/EQ. Thanks for the detailed info. Don't apply for any more cards until the 3-4 baddies come off your report in the next 2-3 months. Once those come off, you will see a rise in score which will make you be able to get some really good cards. For now, work on the baddies. Congrats on the 2 CAP 1 approvals...

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morgacj2004 wrote:
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2 Cap. One Cards, should I combine ?

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