Cap 1 combined accts.

I just did that exact thing...3 into one..on my reports it shows paid/closed $0 balance...in regards to score it depends on if it's maxed out...cap1 doesn't show limits so if the 3 together will appear maxed out even if you have available credit...if you pay down your balance...it'll help your score. or max out then pay down...anyway, it didn't hurt me..just make sure the oldest one stays open...

 

ask for a line increase on each account.. then combine into the oldest and get better terms on that line.

You can tease and say that you can call back in a few months or just do it all now and that way he won't have to hear from you again

 

Last time I talked to Mr. Cooke about information on combining accounts he told me I can't get a line increase and combine the accounts at the same time. He said he could do a line increase or combine the accounts with no line increase.

 

so... then get increases on all of them... then call back a month later and combine.

He's done it in the past. perhaps their policy has changed. You don't have to go to the Exec dept to combine anyway.

 

I did an increase and combine at the same time in Jan 02....I'm wondering now...since I only have 1 account is do the same thing...open a new account and combine with the existing one..anyone ever done a second round of combining?

 

Does the account have to be open for any period of time? I have a 2 year old account and a 2 month old platinum I would like to combine.

I also just recieved an app for a Kmart Platinum. It says that you can't be considered if you had an application with Cap One in the past 90 days. It used to be 45, so maybe they have had some changes.

 

"CLOSED BY CREDIT GRANTOR" IS WRONG...MUST BE "CLOSED BY CONSUMER"...you closed it...NOT them!!!