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Venture Card Approval! 3/13/17

Established Member

Venture Card Approval! 3/13/17

Hi everyone,

 

This is my first time posting in the myFICO community, but I just wanted to share my approval for the Venture card from Capital one! I was approved on Monday(3/13/17) with a CL of $10,000. I was prequalified on Capital One's site, and was qouted with an APR of 18.39%. However, I won't find out my actual APR until I get my card.

 

After a divorce in 2009, my credit tanked due to my own poor decisions. Additionally, my ex-spouse, who got our vehicle in the divorce, defaulted on payments and had the car repossessed. This hurt my credit even more and eventually I was down in the 300's accross the board. Now, 8 years later my credit is way up and I've been approved for the Venture card.

 

Current Stats:

 

FICO scores: EQ 756, TU 704, EX 693.

100% on time, more than minimum payments on credit cards for last 3.5 years.

AAOA: 2 years.

Baddies: 1 closed collection, 1 negative account (Auto, Default/Repo - 2013, Settled for less than full balance)

 

 

Credit Cards/Limit:

 

USAA Secured VISA: $1,000

USAA Rate Advantage VISA: $7,000

Best Buy (Citi): $2,000

Walmart: $1,100

Furniture Store Card (Wells Fargo): $3,300

 

I currently only have 1 card with a balance. The utilization for that card is 54%, and total over all utilization is about 24%

 

I'm really excited to use this card as I plan on doing some international travel within the next year! I hope my stats/approval are helpful to anyone else who may be considering applying for this card. Take care everyone and good luck!!

 

 

26 REPLIES
Senior Contributor

Re: Venture Card Approval! 3/13/17

Congrats OP this is awesome
Established Contributor

Re: Venture Card Approval! 3/13/17

Nice approval! Congrats!

In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Established Member

Re: Venture Card Approval! 3/13/17

Thanks Aduke1122!! I've put a lot of effort/patience into getting my credit up again, and it has really paid off Smiley Happy

Established Member

Re: Venture Card Approval! 3/13/17

Thanks rmm140!! I'm ecstatic!!

Established Contributor

Re: Venture Card Approval! 3/13/17

Congrats and awesome job on rebuilding! 👍





Valued Contributor

Re: Venture Card Approval! 3/13/17

Congrats!! That's an awesome approval
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (5,000) ~ PenFed Promise (6,000) ~ PenFed OLOC (500) ~ Discover ($1,000) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (1,700) ~ NFCU CLOC (15,000) ~ QuickSilver Visa (10,300) ~ DCU Visa (5,000) ~ Chase Freedom Unlimited (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG Business (3,000) ~ Care Credit (15,000)
Current Scores (7/8/17): 682 Transunion, 648 Equifax, 673 Experian
Established Contributor

Re: Venture Card Approval! 3/13/17

Great job coming from the ashes and a great comeback, congrats on your 10k Venture.

" EX 683 EQ 691 TU 671 MMS 689"
Senior Contributor

Re: Venture Card Approval! 3/13/17

Congratulations. Treat the card right and Cap1 will give it right back at ya.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 11/18/17** EX- 762(13) TU- 765(12) EQ- 731(14) UTI 8%- Clean Files
Valued Contributor

Re: Venture Card Approval! 3/13/17

Congtrats on your rebuild and the new card.