John Miller, Credit Cards Moderator
@john_miller
No, you cannot combine two Credit One credit cards. According to customer service, merging your accounts to consolidate credit limits into one card account is not possible.
Combining credit cards can be beneficial as it allows you to save money on fees while maintaining your overall credit limit. Since this is not an option with Credit One, there are a few alternatives you can consider.
Alternatives to Combining Two Credit One Credit Cards
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Ask for an Annual Fee Waiver: If you're paying annual fees on your Credit One credit cards, consider contacting customer service to request a waiver. This isn't guaranteed to work even if you do have a stellar payment record, but it doesn't hurt to ask.
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Downgrade Your Cards: Ask customer service whether you can downgrade your cards to lower-fee versions. Note that you may lose some benefits or earn fewer rewards, but this option will allow you to keep the accounts open and maintain your credit history at a lower cost.
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Close an Account: Closing one of your Credit One accounts is also an option if managing multiple accounts is challenging, or you’re trying to save money on fees. Doing so will temporarily impact your credit score, but it can rebound if you continue to use your other cards responsibly. After closing the account, you can request a credit limit increase on your remaining Credit One card. This request typically results in a soft pull, which does not harm your credit score.
Exploring any of these alternatives can help you manage your Credit One accounts more effectively and potentially save on fees. It's important to weigh the pros and cons of each approach and choose the one that best fits your situation.
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People also ask
Can I have a second Credit One account?
You can have a second Credit One account, though it may not be wise, since most of the cards come with annual fees, high APRs, and low credit limits. Plus, even though users in online forums have reported owning more than one Credit One card, Credit One’s card terms appear to reserve the right to deny you a second card. So, it’s possible that if you apply for a second card, you won’t be approved.
... read full answer by Chip Lupo, Credit Card WriterHow can I combine credit cards?
To combine credit cards, start by calling your card issuer to request merging the accounts. Some card issuers also allow you to combine credit cards online. If the card issuer approves the request, you should end up with one credit card with the combined total credit limit of both original cards, as well as their combined outstanding balance.
You will have to choose which card you want to keep, though – one of the...
read full answer by Christie Matherne, Credit Card WriterWill 2 credit cards build credit faster than 1?
Yes, two credit cards will build credit faster than one, if used responsibly, because having a second card generates more positive information to report to the credit bureaus each month. Having a second card will increase your total credit limit, too, making it easier to maintain low credit utilization.
On the other hand, if you worry about overspending and have trouble juggling multiple accounts with different due dates and minimum payment amounts, having more...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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