Combining two Capital One cards

cogitoergosum

Hi, I would like to combine my two capital one credit cards into one, so they share limits and balances.

I have one cap1 secured card opened on May 2016, with 200 credit limit (haven't got a CL increase for the past 10 months), and another cap1 classic opened on Oct 2016 with 1500 credit limit (no CR increase either)

So I think it's probably a good idea to merge them together, will it have any negative impacts on my credit file?

And if I carry out the combination, which card should I keep? Because if I keep the older one (cap1 secured), it has a higher APR, however I do clear my balance in full every month so idk.

Any help will be appreciated :j

dieselv2

What do you mean merge? So you have 1700 limit? That won't happen. You'd have to close one and just use other if you only want one active.

cogitoergosum

dieselv2 wrote: »

What do you mean merge? So you have 1700 limit? That won't happen. You'd have to close one and just use other if you only want one active.

Yes they can, I think cap1 is the only company that can do this in the UK, just got confirmed from them

dieselv2

WOW. Never heard of that before. Guess you learn something new everyday haha.

redux

I don't know about this myself, but it does seem to be possible. I have seen a sizeable thread here about it. Try a search.

theburningcat

I've heard about Amex doing this as well.

stuart30

They most certainly do merge cards as ive done it..yes there was a thread on here about merging and with some very large credit limits.