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Capital One - upgrade to Venture

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HeavenOhio
Senior Contributor

Re: Capital One - upgrade to Venture

It's worth considering if credit limit is a priority.

Message 11 of 12
NRB525
Super Contributor

Re: Capital One - upgrade to Venture


@Anonymous wrote:
Thanks for the info. I was told by someone that Capone usually does not approve for two cards within a 6 month period. Is that true in your experience?

Yes, I think that is now a limitation at Capital One., waiting six months between apps.

What are the exact application dates for your two existing cards?

While it may save a HP on each bureau to upgrade, that $400 sign up bonus is a real cash return for the pain. Nobody pays you to keep your HP in the bank. 

A new Cap One card is more likely to get a higher starting limit, and have a future higher ceiling, than your existing Cap One cards. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 12 of 12
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