Capital One Journey does not have transfer partners, unlike many other popular credit cards. Capital One Journey cash back rewards are redeemable only for cash back, gift cards, or previous purchases and cannot be transferred to another loyalty program.
The Capital One Journey minimum payment is $25 or 1% of your revolving balance, plus interest and fees – whichever is greater. If your balance is less than $25, your Capital One Journey minimum payment equals the amount you owe.
Here’s what your Capital One Journey minimum payment will be:
Balance of $25 to $2,500: Minimum payment equals $25
Balance over $2,500+: Minimum payment equals 1% of the balance, plus interest and fees
As long as you make the minimum payment by the due date each month, your account will remain in good standing. Keep in mind that by paying your monthly minimum on time will help your credit score. But you need to pay your balance in full every month to avoid interest.
No, Capital One no longer allows card combining. Account Combination was a feature that enabled Capital One account holders to merge their credit cards. After deciding which credit card account you wanted to close, you had to bring its balance to $0. Then, the card you kept retained its terms and benefits, while getting a credit limit boost that reflected the total limit from both cards. There is no certainty that this feature will return in the future, but if it does, you might be able to find it under the "I Want To" menu in your … read full answeronline account, according to Capital One representatives.
Capital One only allows linking credit card accounts by grouping them together under the same login details (same username and password). But this doesn't combine or change them in any other way. If you're unhappy with your Capital One credit limit, you can request an increase. Alternatively, you may also be eligible for a credit card upgrade.
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