Venture app question?

[android01]

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@Anonymous wrote:

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@android01 wrote:

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@Anonymous wrote:

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@racer-x wrote:

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@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

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Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

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@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

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Well, I'm screwed then.  I said that I don't ever carry a balance, don't want checks, and dont want a balance transfer.  I applied last Sunday and got the 7-10 day deal.  They pulled all three CRA's today.  No news yet.  

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@android01,

With your scores I hope not.  I really don't understand CAP 1 myself.  I am beginning to think their products are geared towards "a certain type of group within a certain criteria" because it just doesn't make any sense.  I now know some people refuse to have CAP 1 in their pockets.

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I think you're right about a certain profile, and I'm afraid that I probably don't meet those criteria.  If I get denied, your theory will likely have been proven correct! 

[Anonymous]

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@android01 wrote:

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@Anonymous wrote:

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@android01 wrote:

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@Anonymous wrote:

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@racer-x wrote:

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@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

---

Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

---

@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

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Well, I'm screwed then.  I said that I don't ever carry a balance, don't want checks, and dont want a balance transfer.  I applied last Sunday and got the 7-10 day deal.  They pulled all three CRA's today.  No news yet.  

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@android01,

With your scores I hope not.  I really don't understand CAP 1 myself.  I am beginning to think their products are geared towards "a certain type of group within a certain criteria" because it just doesn't make any sense.  I now know some people refuse to have CAP 1 in their pockets.

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I think you're right about a certain profile, and I'm afraid that I probably don't meet those criteria.  If I get denied, your theory will likely have been proven correct! 

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@android01,

Definately keep us posted and will keep my fingers crossed for you.

[OffToBetterStart]

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@Anonymous wrote:

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@chalupaman wrote:

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@Anonymous wrote:

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@racer-x wrote:

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@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

---

Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

---

@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

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I really want to test that hypothesis in a month or two to see what happens. I don't think I've ever selected checks or really answered a lot of those questions on any of my CapOne apps. 

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@Popa,

Kindly report back if that theory works.  Because Why I approve me for $5000 a week ago and then 20k the next week?  Doesn't make sense.

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Just wondering myself if the 5k and 20k approvals was for same card?  I ask because in december i applied for venture 1 and got 5k then in feburary i applied for venture and got 10k . As far as the questions i didnt answer none on venture 1 and then on venture i only answered the one how much do you spend a month and i replied with 3k a month the rest i didnt even bother to answer.

[Anonymous]

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@OffToBetterStart wrote:

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@Anonymous wrote:

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@chalupaman wrote:

---

@Anonymous wrote:

---

@racer-x wrote:

---

@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

---

Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

---

@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

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I really want to test that hypothesis in a month or two to see what happens. I don't think I've ever selected checks or really answered a lot of those questions on any of my CapOne apps. 

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@Popa,

Kindly report back if that theory works.  Because Why I approve me for $5000 a week ago and then 20k the next week?  Doesn't make sense.

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Just wondering myself if the 5k and 20k approvals was for same card?  I ask because in december i applied for venture 1 and got 5k then in feburary i applied for venture and got 10k . As far as the questions i didnt answer none on venture 1 and then on venture i only answered the one how much do you spend a month and i replied with 3k a month the rest i didnt even bother to answer.

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No.  the 5k approval was for the Sparks business card and the 20k for the Venture.  I am leaning towards CAP1 wanting balance transfers and those goodies..

[bobbay]

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@Anonymous wrote:

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@racer-x wrote:

---

@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

---

Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

---

@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

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i guess i answered every question wrong.

[NRB525]

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@android01 wrote:

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@Anonymous wrote:

---

@android01 wrote:

---

@Anonymous wrote:

---

@racer-x wrote:

---

@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

---

Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

---

@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

---

Well, I'm screwed then.  I said that I don't ever carry a balance, don't want checks, and dont want a balance transfer.  I applied last Sunday and got the 7-10 day deal.  They pulled all three CRA's today.  No news yet.  

---

@android01,

With your scores I hope not.  I really don't understand CAP 1 myself.  I am beginning to think their products are geared towards "a certain type of group within a certain criteria" because it just doesn't make any sense.  I now know some people refuse to have CAP 1 in their pockets.

---

I think you're right about a certain profile, and I'm afraid that I probably don't meet those criteria.  If I get denied, your theory will likely have been proven correct! 

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That is a strange result to get a 7-10 message with your scores.

Do you have a Capital One credit card that you are currently using?

[android01]

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@NRB525 wrote:

---

@android01 wrote:

---

@Anonymous wrote:

---

@android01 wrote:

---

@Anonymous wrote:

---

@racer-x wrote:

---

@Skye12329 wrote:
I dont know to me it sounds like chase with their question of have you ever files bankruptcy or defaulted or something.

Or barclays asking if you are going to use this card for cash advances. I think it will still depend on report since the computer will see it anyways.

---

Skye, they are not required fields on the app, just added info they're interested in.

If I answered, I put $3000 month in CC's, yes i'm interested in balance transfers, yes i often carry balances, and yes I want AU's on the account...It seems that would be looked at in a positive way by CapOne.

---

@I agree with this assumption @Anonymous -x.  The reason being I applied for the Sparks 2 weeks ago and said no, I wasn't interested in Balance transfer, don't carry a balance ..blah..blah.  I was approved for $5k and then I closed it 20 minutes later.

For the venture last week, I said I carried a balance, wanted checks, wanted a balance transfer and all the negatives CAP 1 likes and I got approved for 20k.  Go figure.  Although YMMV.

---

Well, I'm screwed then.  I said that I don't ever carry a balance, don't want checks, and dont want a balance transfer.  I applied last Sunday and got the 7-10 day deal.  They pulled all three CRA's today.  No news yet.  

---

@android01,

With your scores I hope not.  I really don't understand CAP 1 myself.  I am beginning to think their products are geared towards "a certain type of group within a certain criteria" because it just doesn't make any sense.  I now know some people refuse to have CAP 1 in their pockets.

---

I think you're right about a certain profile, and I'm afraid that I probably don't meet those criteria.  If I get denied, your theory will likely have been proven correct! 

---

That is a strange result to get a 7-10 message with your scores.

Do you have a Capital One credit card that you are currently using?

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I have what is now a Capital One card - a GM Mastercard - which used to be HSBC as of a year or two ago.  I've had it since 1992.  The only love it gets is an $8 Netflix charge every month to keep it active.  I've never applied for a Capital One card proper, other than this Venture card - where I'm still in limbo.....

[android01]

HAHAHA!   I just decided to hit the love button on my Capital One GM card which had a CL of 14K, (my lowest) that I've had since 1992. For the first time - ever - they raised it to 17.5K!  If they raised it for me after 23 years, you know something's happening with them if I get a CLI.... 

[Anonymous]

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@android01 wrote:

HAHAHA!   I just decided to hit the love button on my Capital One GM card which had a CL of 14K, (my lowest) that I've had since 1992. For the first time - ever - they raised it to 17.5K!  If they raised it for me after 23 years, you know something's happening with them if I get a CLI.... 

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Wowwwzaa.. Congrats!! I think you will get the other card also.

[android01]

I got the email tonight that I've been approved for 30K.  Looks like they chose a number between my highest reported CL of 45K and the next highest of 25K.  I'm happy and I'll take it!  The spend for the 40,000 points will be done in a week or two.   The approval email  from Cap One also showed up in my junk email box, so for those that are waiting, please check your junk email.