Does converting a credit card affect the account age?
If you are converting the card to another Cap One card then it will continue to report as it is now, with the 5 year history and a higher credit limit. If you apply for a different card and then combine the old card to the new card, keeping the new card along with the credit limit of the first card, your existing card will show as closed and your new card will start with a new and recent opening date. Make sure you are converting and not combining. Credit cards are generally on tiers. Cards for those that are beginning their credit and those with negative history are usually on the lower tiers, low credit limits and higher interest. Since you received the card when you were 17, the card you have now probably is in a tier where the credit limit couldn’t actually go any higher, no matter what your scores look like now. One thing to keep in mind is that the CSR’s aren’t the ones who can approve or deny. No matter what they still have to put the info into their computers before an approval
