TODAY Capital One is allowing you to COMBINE CL's!!!

I just logged into my Cap1 account and clicked the services tab. Low and behold there's a link that says: Request Account Combination!!!The BIG catch is that your 1) account must be open for at least 6 months 2) 1 card must have a $0 balance and NO pending transactions. Go check it out, it will show on your screen which cards are eligible to be combined!!! BEST news ever from Capital One!!!

seezar wrote:
You are a day late http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Credit-Line-Consolidation-NOW-Available-Online/m-p/4113430Actually I'm not late. That post stated that it was coming. My post is stating that you can actually do it, as in it's available NOW, LOL!!!

Similar Messages

Capital One to offer account and CL combining.

Just talked to a representative with Capital One. I inquired about combining my two accounts into one, was told that it's not currently available, but the plans are laid out, and are waiting for approval, she estimated within the next month or two Capital One customers will recieve letters informing them of the new options.

Echoside wrote:
Just talked to a representative with Capital One. I inquired about combining my two accounts into one, was told that it's not currently available, but the plans are laid out, and are waiting for approval, she estimated within the next month or two Capital One customers will recieve letters informing them of the new options.Sounds great! That's one of the things that struck me as odd about them but it seems like they're really trying to catch up and compete with the other big boys now.

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Amex, Chase or Capital One

I have been looking around at some cards recently as one thing Credit Karma and other related sites tell me is hurting is AAoA which is 1 year 10months, and total accounts which is at 9(most being Fed student loans). I am still in college. I currently have 1 credit card: Discover It Student at $3000.00 credit line. I have had it since July 2013 and the CL was increased last in Febuary. I also have 1 auto loan since November 2012 with about $4500 left on it. I have recieved quite a few pre-qualified mailings from AMEX and Capital One, while also seeing pre-qualified on Chase's website. Amex mailed me a prequalified Blue Cash Everyday $250 after $1,000 spend in 3 months; Their website lists as prequalified Gold Card(15k pts after $1000 spend in 3 months); and Everday(15k pts after $1k spend in 3 mo) Chase prequalified online shows: Freedom ($200 bonus, and 0 intro apr & AF); Slate; and Sapphire Preferred(40k Pts after spend $4k in 3 months). Capital One prequalified online shows: Quicksilver Rewards($100 on $500 spend in first 3 mo); Venture(40k Pts after $3k spend in first 3 months); and Platinum Prestige. Most of my spending is at Walmart/Sams Club, Gas Stations, Restaurants/Fast Food and occasionally on Amazon and at Target or other grocery stores. I am getting married in August 2016 and honeymoon looks like it will be going to Niagra Falls area(Buffalo,Toronto) and going into Canada by then I will be looking for a no FTF card that is widely accepted in Toronto (Discover has 0 FTF but i hear it is not accepted much in Toronto). Being as that is over a year away I know I don't have to have that as a major factor in my decision yet. I don't have any flights currently planned, but have taken two trips over the last year on Southwest Airlines(airline of choice due to free bags, and value). ScoresTransunion Vanatage: 781Discover FICO: 746(Online) ; 726 (5/27 Statement)Credit Karma: T- 718 EQ - 748Credit Sesame: 718. I was thinking:This month: Apply for a Amex, Possibly BCE for the $250 offer. I'm not sure how well the gold 15k pt offer is with my limited travel in the next 12 months, is that able to be PC to a non-AF card? Between September-January: Either1. Chase cards: CSP and/or Freedom. I was reconmended on another thread to try Back to back to get only 1 pull, and then before the year is up to combine the CL into the Freedom. From my understanding I will rant to redeem my points before doing that correct? Also opening after August will allow me to possibly save the points for the honeymoon in August 2016. Freedom 5x categories may match my Discover iT. 2. Cap 1: Venture and/or Quicksilver. Do they pull twice if you apply back to back within minutes? I read that you can PC Venture to VentureOne to avoid the AF, I don't believe they allow a PC to QS later on do they? I need to do some more research on the point differences between Venture and VentureOne, but I would have Venture for atleast 11 months before AF time. I also saw a thread where it sounds like Cap1 may be allowing cards to be combined in the near future. Between April 2016-July 2016: Option that wasn't choosen above. Any suggestions on timelines, and what cards I should do?Should I look at Sallie Mae Mastercard? And with how low my AAOA is now, how much will opening 2 cards at once (Chase or Cap1 Back to Back hurt?) and then later combining what I can, or should I convert AF cards Venture to VentureOne and CSP to CS?

mlj01 wrote:
Amex Blue or BCE? I haven't seen anything in particular on Slate, how does it compare to Freedom and CSP? I know CSP is the best out of the 3 and UR sounds nice. I also wonder how hard they check income, I know they want to see it, but I just started a new job, and other than hockey reffing the last few months didn't have a normal job, and reffing the funds are paid from each association and don't have a standard pay stub, just checks. I worked on campus this year but up till August 2015 worked at a a Bank and saved quite a bit up. I also forgot to state that I live near the canadian border so the Venture/CSP will be nice(NO FTF) whenever I decide to make my first trip across the border. If not this year I will most likely around the honeymoon time, unless I change honeymoon plans due to bonus rewards! My Discover IT has no FTF but I hear acceptance in Canada is limited.BCE is the one I was going for, although I just a pre approval in the mail today freedom is awesome for now, 200 after spending 500 in 3mo. 1% cash back on everything and they have quarterly deals like right now 5% on gas and kohls lolslate has no annual fee and 0 apr until October 2016CSP is the higher tier card and has 40k bonus points after spending 4k in first 3mo. Has 0 intro annual fee and $95 annual fee after you should be good cause they didn't ask for any proof of income I make 45k/yr You're correct Venture does not have FTF plus you get 40k pts after spending 3k in the first 3 mo

Rebuilding help- need tips for Capital One Accounts

Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old. I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards. I went years before this paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings, I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again? I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!!

Cam0215 wrote:
Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old. I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards. I went years before this paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings, I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. Once you get nine months out from the last late payment on the account (not just a reported 30, but service charge late) they will allow a CLI if your scores are high enough. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. Yeah, Cap One is pretty strict with their reporting. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? Is the OC also reporting that delinquency? If so are they showing an unpaid balance? With Cap One, they like to see heavy usage, and low reported balances. Keep requesting CLI's online until you get some joy - you just need to get far enough away from those lates. I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again? I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Keep trying every month - use the online link for it, don't call them. Don't worry about CLI denials, they won't be held against you in any way. JUst keep plugging away and check the denial reasons. I was getting the same thing all last year until Jan when I sarted getting "score reasons", then they tripled my limits in Feb. Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!! Right now you would only qualify for the "average credit" level Cap One cards, and they are an auto-deny for having two or more cap one accounts already. (its stated in the disclosures), so do not app for any more Cap One cards until scores are in the high 600's - then app for the "excellent credit" cards. Since you have a long history with the cards, you might try Barclays (I was approved for Barclays with 618 TU score), but wait until your last 30 day late is over 12 months old.You're actually doing fine, just need to move out a bit from those lates that occurred last year. You might also call and get them converted to QS/QS1 reward cards.

Capital One Logic...

I currently have 2 Capital One accounts. One has a 2k limit and one has a 4.5K limit, both are QS1 cards. I've tried over and over to get CLI's on the cards, but was unsuccessful. I attempted to apply for a new card today (with hopes of card consolidation later on) and was approved for a 10k VISA Signature QS. I dont understand how they refuse to raise my CL on existing cards (one I've had for 5 years) but they will give me a 3rd card at 10k. While I dont understand it I wont complain because its pretty awesome especially since I'll be able to combine the limits to the VISA Siggy and be at 16.5K QS!! Kinda pumped right now

PlasticOrPlastic wrote:
I currently have 2 Capital One accounts. One has a 2k limit and one has a 4.5K limit, both are QS1 cards. I've tried over and over to get CLI's on the cards, but was unsuccessful. I attempted to apply for a new card today (with hopes of card consolidation later on) and was approved for a 10k VISA Signature QS. I dont understand how they refuse to raise my CL on existing cards (one I've had for 5 years) but they will give me a 3rd card at 10k. While I dont understand it I wont complain because its pretty awesome especially since I'll be able to combine the limits to the VISA Siggy and be at 16.5K QS!! Kinda pumped right now CapitalOne is a large company,that has many different divisions, the group that approves your CLI's is a different group than those that approves new credit cards. The group that gives CLI's has a goal of protecting the companies money, yet still earn money, if you are currently a customer and in good standing they have accomplished their job. The card division has a job of increasing the number of customers and cards held so they want to impress you with a high starting limit so you will happy and use the card and be a happy customer. Of course after a few months you will transfered to the CLI unfreindly group...

Capital One Venture shutting down rewards transfers - temporarily?

I just received this email from Capital One stating how rewards transfers will not be allowed after September 15. They say temporarily but I think that is unlikely. My wife and I both have cards and we consistently combine the points for bigger purchases. Transfers are the only reason we use the Venture over the Arrival+ which offers the 10% redemption bonus as otherwise they are basically identical. I guess the Arrival+ has just made it to 1st place on our everyday spending card list. "Recently, we’ve been working to provide you with even better ways to manage and redeem your rewards. As we update our program, we’ll be making changes to some redemption features you may have used in the past. As of September 15, 2015, the following redemption options and features will change:If you gave someone else permission to redeem rewards on your behalf, they will no longer be able to do so as of September 15, 2015. You’ll need to redeem your own rewards after that time.The ability to transfer rewards from one Capital One® account to another will be unavailable; however, we know this feature is important to our customers and will be working to bring it back at a later date.Remember, if you’d like to use the above features, please do so before September 15, 2015. We look forward to improving your rewards experience in the future!"

There are apparently some changes to the rewards structure of the Barclay Arrival Plus card that are not so good. They're bringing down the 10% bonus travel rebate earning to 5% starting sometime late 2015-2016 (depending on when you first applied and received the card). They're also increasing the minimum redemption amount from 2500 to 10K miles, which is a bit of a bummer. Things are definitely changing for this card - you can't even apply for one anymore (for the time being, that is).

Capital One World Elite....

So i notified an EO via email ...  I had been a customer for such long time and believe it's time for an upgrade. If i could upgrade my Capitol One Platinum MasterCard to World Elite MasterCard i would greatly appreciate it very much. Thank you   Best regards,  Got a call the next day from the ''Executive office'' (really just their assistant calling) mumbling about how my card doesn't offer after using it for 4 years with a credit limit pass $5,000. Told me that maybe i want to look online for their other ''products.'' I jusaid yeah okay.... mmm hmmmm and hung up.    The next day got an email...      Your new credit card is on its way
Your new credit card was mailed today. Thanks for being a Capital One® customer.
   ... wonder what they're sending me

NRB525 wrote:
SebastianZzzzz wrote:
ScoreOrBeScored wrote:
Yes, it's definitely in the writing . Sorry to hear this happened. What's your limit again, $5k  i requested mine mine the next day after hitting the luv button and going to $5,750.  I say say keep trying until you get the right rep.will keep trying!!.....  Whom do I have the pleasure of chatting with today? My credit limit has reached $5,750 and would appreciate it if i can have a World Elite MasterCard put on my Capitol One card. thank you  I apologize, there is no option to change a Platinum card to world elite Master card. Okay thank you  You need to apply for World Elite MasterCard separately.So, when do you app for the GM Buy Power card ? Barclay wanted to change my Rewards to Arrival + which is a World Elite Mastercard earnong 2% as the GM Buy Power Card but has an annual fee so i was trying to get Captiol One to change my Platinum to World Elite instead and leave Barlay alone. Otherwise, Citi Double Cash said i can change World MasterCard to Elite when my INTRO APR ends but has foreign transaction fee. That's why i was trying to get my captiol one to world elite and just use that abroad instead. No annal fee. no transaction fee. I had 2 captiol one and just combined them into one and cancel out the other. So getting another capital one would not make much sense. Especially if i cancel out my longer standing and very first credit card... though i hear it stays on your report for 10 years ?

Capital One low CLI, options and questions...

I opened my first credit card in January 2011. It was an Orchard Bank MC that was later sold and converted to a Capital One Platinum MC. A few years later (not sure) it was converted to the QS MC. Since I opened this account I have never missed a payment or had any negatives on my report. I got my last CLI 6 months and a few days ago. Because I have open 6 new credit cards in the past 2-7 months and meeting spend requirements I haven't been using the card much at all. I created a spreadsheet to calulate when I could request another CLI. 180 days after my last. On day 180 I requested one and was declined because of low payments. The card had a ~$500 balance a couple months ago that I paid off so the reason didn't make sense. I figured the reason was lack of recent usage. So for the past few days I have been using the card and requesting daily. Today it finally approved me for $400 to bring my limit to $3900. I was really hoping for at least $1500 so it could be a WMC as I have a VisaSig. The increase and limit bothers me as its my oldest revolving account.
I have the following cards...
1/11 C1 QS $3900
2/13 BoA BBR MC $5000 (BBR can't be WMC they say)
1/15 C1 QS $3500
1/15 Barclay Rewards $1000
2/15 AMEX ED $9000
3/15 Chase Freedom $4500
4/15 Citi DiamPref $1500
5/15 Disc It Secured $500 (really secured but wanted the card, best card I got IMO)
5/15 BoA 123 VisaSig $5000
Also to note...
12/14 Mortgage $59k/$64k (double+ pmts)
4/15 Shared Secured Installment 352/500 (to max mix)
2/15 Victoria Secret 0/500 (big regret)
FICO08 EQ 680 TU 700 EX 698
My question is was it a mistake to accept the low CLI now? Should of just contacted the EO for a manual review? Can I still do that or will I just get the line you got a CLI a day ago and gotta wait? Would they possible let me combine my 2 capital one cards ($3900 and $3500) into one card if they won't give me an addition $1100 increase for a WMC? I've had contact with the EO before and got the number; better to email or just call?
Sorry if this scramble, unorganized, grammar, etc as this is the 3rd time I've written it as the page times out and I lost it.
So to recap my questions...
Does me accepting the low $400 CLI to $3900 today prevent the EO from possibly giving me a higher CLI?
Can you combine your limits on 2 cards into one? Would combine the newer card to the older one to keep my oldest CC open.
Any experiences you had with similar issues.
Thanks in advance for your time and responses.

As I've experience with capital one (capital one platinum) is that they DON'T give out many credit limit increases. I had my crapital one card since '09 and started when I was in rebuilder mode. Flash froward to present day and you can look at my siggy that I've come pretty far. High 700's and major credit cards in my wallet with some in the 10k plus and crapital one only gave me two CLI during my '09 to July 2015 loyalty to them. I felt I was capped at 2k after numerous emails to the EO. Don't sweat capital one and just use them for the history while you get better cards imho

I have an IPone 4, there is an add video for Capital one that keeps coming up on its own... ive deleted my history and cookies and this video keeps taking over my phone. how do i get rid of it? the video is of a man with a puppet and the puppet is singing

i have an IPone 4, there is an add video for Capital one that keeps coming up on its own... ive deleted my history and cookies and this video keeps taking over my phone. how do i get rid of it? the video is of a man with a puppet and the puppet is singing a song while he is checking his phone. how do i get rid of it????

If it happens again the make sure that you aren't suppressing website colors.
Make sure that you allow pages to choose their colors and that you haven't enabled High Contrast in the Accessibility settings.
*Tools > Options > Content : Fonts & Colors > Colors : [X] "Allow pages to choose their own colors, instead of my selections above"
*https://support.mozilla.org/kb/Options+window+-+Content+panel
*http://kb.mozillazine.org/Website_colors_are_wrong
*http://kb.mozillazine.org/Websites_look_wrong

CitiBank Credit Card Nightmare - Please go back to Capital One

I am ready to cancel my best buy credit card. On December 27, 2013, there was fraud on my account (I believe from the Target breach from black friday sales). Anyways, there was fraud and my card was canceled. However, I didn't find this out until 3 days later when my card wouldn't work anywhere between the 27th and 30th. My card was canceled and I never received a text message, email, phone call, or letter. NOTHING. I wouldn't know unless I called to find out what was going on. I asked if this was normal and they said yes - no communication.
Once I called them, they said they would issue me a new card (this wasn't automatically done). They could not expedite it. I did have to confirm everything that was fraudulent on the card. Fortunately there was only 1 charge that posted and all other attempts were blocked. Still, that one fraudulent charge has not been removed. I have called multiple times and told different things about when that charge would be removed. Now I'm told to wait 6 weeks for it to be removed. That's six weeks from today, not from when the charge appeared.
Before the card was canceled, I scheduled an online payment for the due date. I called them to confirm that the payment would still go through even though a new card was issued and I couldn't access all of my online account. They told me not to worry, it will post. The day after my due date I get an email saying my payment couldn't be processed and now I'm past due (with a late fee). I called and made a new payment over the phone and was told due to their error, the late fee would be waived and I wouldn't see it in a couple days. 5 days later I finally get my new card in the mail, re-register my account online, and low and behold, the fee is there. I call back and was told that the late fee removal was never processed. I was told to wait 6 more weeks for the fraudulent charge to be removed (even though the charge took place in california, and I have account activity to prove I was in NY state at the same time, and they agreed). They now say they will process the late fee reversal, but to wait 2 billing cycles. As far as I'm concerned, that charge is them stealing from me because I should never have been charged that in the first place.
This experience with citibank is disgusting. I have never had this kind of trouble with any credit card. I have had fraud on my accounts in the past, and every time Capital One has been awesome to work with - they pick up fraud faster and better, they email/text/call you right away, and they have done what they say they will. Sure, others may have different experiences, but when every single citi agent has let me down and most have lied to me, I'm very angry with them. This is the last year I have elite membership with best buy. If this isn't fixed in a week, the account is getting closed. Are others having nightmares with Citibank?

Hello darkprime,
Finding out that your credit card may have been used by someone other than yourself is a very scary thing. It sounds like Citibank has tried to keep your account safe by immediately cancelling your card, but I can understand your concern at not receiving a notification from them as soon as this occurred. I’m very sorry to read of how difficult it has been to resolve the various issues resulting from having your card cancelled.
As you’re probably aware, while Citibank is a valued partner, they are a completely separate company from Best Buy. Due to this, we do not have direct access to or influence over their accounts or policies. However, we truly appreciate your loyalty as an Elite Plus customer, and I would be happy to reach out to them on your behalf to look into this right away. Using the e-mail you registered on the forum, I was able to locate your information, and as soon as I have more details, I will be sending you a private message. To read your private messages, please make sure you are logged into the forum, and click on the envelope icon in the top right corner.
Thank you for posting here on the forum, and I will be in contact as soon as possible.
Maria|Social Media Specialist | Best Buy® Corporate
Private Message

TODAY Capital One is allowing you to COMBINE CL's!!!

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