Combining Cap1 accounts I was wondering if anyone had any experience in the difficulty of getting capital one to combine two accounts I have with them. I have one unsecured with a $500 limit and one secured with a $600 limit. I was wondering what approach I should take with customer service or if it is even worth my time attempting this. The one account is only secured by $49 and is over a year old with zero lates. Thanks.
Re: Combining Cap1 accounts <<bump>> No personal experience, but I have read here that CapOne will not combine secured accounts. -Peace, Dave
Re: Combining Cap1 accounts Try to get the secured account converted to unsecured first. Then after a couple of months, you can ask to have both accounts combined.
Re: Combining Cap1 accounts I'm not sure since 1 is secured and the other is not. If I were you I'd send a letter via planetfeedback and ask that very question. then you'll talk with the executive dept and they can help you. I do know that combining accounts counts as a line increase so you may want to try and increase each line first, then combine. By the way, if either line is 6 mos old now ask for a line increase first... 300 is standard for their computer. Then call retention and see if they can up it. Then try to combine. Better strategy. And I've been told each line has to be open a min of 6 mos to combine them.
Re: Combining Cap1 accounts Here's a tidbit: If one of the cards happens to be a K-mart cobranded card, that one can't be combined with a regular Capital One card. Been there, tried that, found out that their agreement with K-mart won't allow it -- even if you're trying to consolidate ONTO the K-mart card. Doc
Re: Combining Cap1 accounts The unsecured card is a TJX-cap1 card. It has no annual fee so obviously I would like to combine it on the those terms. I think that getting the first one unsecured is probably my best bet. I have had it for 15 months now and paid the balance in full 12-13 times. Thank you for your feedback.
Re: Combining Cap1 accounts From what I was told 4months ago; They would need to both be TJX cards then. They won't combine an affinity account and a gold account for instance. In order to combine accounts they have to be two like accounts and be unsecured with at least 6mo. age on each. -Om
Re: Combining Cap1 accounts Happened in our household , two cards were unsecured and combined with a third. Took 1 month to unsecure and then they were combined. It was handled as one request through the advocates office. As correctly stated K-Mart or other affinity cards can not be combined (even a his n hers K-Mart card)
