Credit Card Center Advertiser Disclosure

Reply
Established Member
Posts: 14
Registered: ‎02-22-2017

Venture Card Approval! 3/13/17

[ Edited ]

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!!

 

 

Senior Contributor
Posts: 3,553
Registered: ‎05-25-2016
0

Re: Venture Card Approval! 3/13/17

Congrats OP this is awesome
Established Contributor
Posts: 512
Registered: ‎02-22-2017
0

Re: Venture Card Approval! 3/13/17

Nice approval! Congrats!


In the wallet:
Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1

Last HP-3/24/17
Established Member
Posts: 14
Registered: ‎02-22-2017
0

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
Posts: 14
Registered: ‎02-22-2017
0

Re: Venture Card Approval! 3/13/17

Thanks rmm140!! I'm ecstatic!!

Established Contributor
Posts: 751
Registered: ‎10-08-2014
0

Re: Venture Card Approval! 3/13/17

Congrats and awesome job on rebuilding! 👍





Valued Contributor
Posts: 1,281
Registered: ‎03-01-2016
0

Re: Venture Card Approval! 3/13/17

Congrats!! That's an awesome approval
State Farm Rewards (3,000) ~ Marvel MC (5,000) ~ 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 (12,000)
Current Scores (7/8/17): 673 Transunion, 616 Equifax, 651 Experian
Frequent Contributor
Posts: 492
Registered: ‎07-17-2015
0

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 678 TU 666 MMS 681"
Senior Contributor
Posts: 3,723
Registered: ‎11-11-2015
0

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- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- Cap1 Premier Dining $25000- NFCU Go Rewards $27100- Venture $27750 **As of 7/8/17** EX- 760(21) TU- 758(17) EQ- 752(13) UTI 6%- Clean Files-
Valued Contributor
Posts: 1,195
Registered: ‎07-10-2015
0

Re: Venture Card Approval! 3/13/17

Congtrats on your rebuild and the new card.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.