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.
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)
USAA Secured VISA: $1,000
USAA Rate Advantage VISA: $7,000
Best Buy (Citi): $2,000
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!!
Nice approval! Congrats!
Congratulations. Treat the card right and Cap1 will give it right back at ya.