Brad Bishop wrote:I don't think that the second card will even show up on your credit report because it's such an obvious error and, if you close it, it wouldn't even have a completed billing cycle to show.
I doubt that. Not all issuers bother to wait until after a full payment cycle to report an account's existence to the CRAs. My Sallie Mae was on my TU report about 48 hours after I had been approved by Barclaycard - well before the card had even arrived in the mail. There was no information on it about payment cycles, but it showed the bank, the CL, and account opening date.
The second Cap One account may have been created in error, but it still exists and should appear on the report, even with limited information.
Overall, I'm not sure what the best thing to do is. I am curious as to how the first limit compared to the second one, though.
Is the AF due immediately on the second card? Or it's waived the first year for both?