Got 2 Journey Capital One cards w/ 2 different accounts

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skyhigh2511
 
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Got 2 Journey Capital One cards w/ 2 different accounts

Postby skyhigh2511 » Fri Aug 29, 2014 6:09 pm

Hi everyone, I just want some advice or help. When I applied for the 1st time, I got approved with 300 limit and when I was setting up my account, my phone turned off so I couldn't finish. Due to my stupid brain and the lack of experience cause this is my 1st credit card :mad: , I applied one more time and also got approved with 300 limit. This time I finished setting up everything. Today I checked my mailbox and there are 2 cards of 2 different accounts. I haven't activate neither and tried to call Capital One customer service but no real person for me to ask, only the computer voice. Therefore, I wanted to post this so if there is anyone that had this experience or have knowledge about this, I really appreciate if you give me someadvice.

1) Can I keep both cards of Journey or combine the credit limit of 2 different account? If yes, will if affect my credit score/report
2) If no for 1st question, do you guys have the phone numbers of Capital One service that I can talk to a real person?

This is my first step to build credit so I don't want any mistakes that will hurt me in the long run. Really appreciate your help :)


CC Deville
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Postby CC Deville » Sat Aug 30, 2014 11:45 am

I would contact them via Facebook or Twitter (asking them to contact you ASAP-but do not give specifics online) or you can Google Capital One's Executive Office which will give you the email of the CEO. Send an email to the CEO and someone in a senior position will contact you to regarding the situation. I do not think regular customer service is going to be any help.

Because of the weekend and holiday, you will have to wait until Tuesday.

This situation shouldn't really hurt your credit as you don't seem to have any. Having two cards will help with utilization and eventually with age but I am not sure I'd want two Capital One cards.

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PlyrStar93
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Postby PlyrStar93 » Sat Aug 30, 2014 12:05 pm

Concerning credit rating this shouldn't be much to worry about. Having two aged accounts will look better than only one with the same age, as long as you manage both responsibly. Also it could help with lowering utilization as now you have $600 limit instead of $300--given the same amount of balance you now get lower % util.

Having two Cap One card that probably never grows could be a pain, though. You do well and ask for CLI, then they might not want to give you one at all. At that time you can seek for another lender and when they check your credit your advantage is managing more than one accounts wisely.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
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skyhigh2511
 
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Postby skyhigh2511 » Sat Aug 30, 2014 3:46 pm

I called Capital One yesterday and after discussing for 30 mins with the representative, he said I can keep both cause they're 2 different accounts and as long as I use them responsibly, it won't affect my credit and if I pay off on time for 5 months for both cards, I will be able to increase my credit limit to 500$ each card. Thank you guys for you answers :)

Ikarus
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Postby Ikarus » Sat Aug 30, 2014 10:45 pm

Cap One is tough to play with, but for a newbie they're the perfect place to start. (Orchard Bank and Hooters/Merrick were, too.)

I think it's better to have a true credit card over a secured card, even if the credit line is low.

Pay your bills in full for a year and never be late and your stock will rise.
Merrick Bank (Hooters) 4100
Cap One Quicksilver 2800
Discover it 2500
Citi Forward 5400
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 5600
Cap One Visa Platinum 750 (CLOSED)

MemberSince99
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Postby MemberSince99 » Sun Aug 31, 2014 6:22 am

Ikarus wrote:Cap One is tough to play with, but for a newbie they're the perfect place to start. (Orchard Bank and Hooters/Merrick were, too.)

I think it's better to have a true credit card over a secured card, even if the credit line is low.

Pay your bills in full for a year and never be late and your stock will rise.




You forgot to add "and then get a prime card or two and dump Crap One like the steaming pile they are".

popamode72
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Postby popamode72 » Sun Aug 31, 2014 9:28 am

MemberSince99 wrote:You forgot to add "and then get a prime card or two and dump Crap One like the steaming pile they are".


Always seems to suck the most when people won't close a card because it's their oldest even though there's a hefty annual fee to go with it, a la First Premier or some of the worst Cap One cards.
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lobbythis
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Postby lobbythis » Tue Sep 09, 2014 10:41 pm

I have 2 cards with them, but holy eff, getting CLI's with them is garbage. One card is coming up on 2 years and still sitting at $750. If they keep jerking me around, I'm just going to cancel both of them.

Ikarus
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Postby Ikarus » Wed Dec 31, 2014 11:41 pm

Out of nowhere, and without notification, CapOne gave me a $1K CLI on my Quicksilver.

It gets plenty of monthly use and is PIF'd every month. It was an unexpected surprise, considering I tried to get a CLI some months ago without success.

Perhaps CapOne is changing is CLI strategy?
Merrick Bank (Hooters) 4100
Cap One Quicksilver 2800
Discover it 2500
Citi Forward 5400
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 5600
Cap One Visa Platinum 750 (CLOSED)

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lobbythis
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Postby lobbythis » Thu Jan 01, 2015 2:37 am

Just call EO. That's what I had to do to get sh*t done finally. Once they saw my spending habits and PIF every month, they approved CLI's on both cards in the same day.



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