Reply
Regular Contributor
Posts: 105
Registered: ‎11-15-2011
0

What do you think my chances are, Cap One Venture?

My scores are listed in my signature below. 

 

I'll be traveling in a few months and i'm looking to get a no foreign transaction fee card.  I'm looking at the capital one venture card.

 

I have a fed lien against me that has been paid and satisfied, in process of trying to remove it... other than that, my report is stellar.

 

All of you that have this card, what do you think my chances are?

cc's copy
Frequent Contributor
Posts: 364
Registered: ‎08-23-2011
0

Re: What do you think my chances are, Cap One Venture?

How old is your oldest card? What is your average account age? I can't give you any direct advice as I don't have the card yet, but I plan to app for this same card in 2 more months once my most recent account and inquiry are 6 months old.

 

According to Cap 1's site they define excellent credit for the card as someone who has never had a bankruptcy, not sure how they view a lien though.

 

To be a little more safe I would wait until your scores are all above 700. Capital one will do a hard pull on all 3 agencies and it might not be worth the risk of 3 HP's especially if you get denied. However if you have no plans of getting an auto loan or mortgage within the next year then it is worth a shot.

 

All of capital one's cards have no foreign transaction fee, of course if you apply for one of their sub prime cards you will have a limit that is too low to be of any use for international travel anyway.

FICO Scores: TU: 768 (Jan 2012), EQ: 755 (Jan 2012 Lender pull)
Regular Contributor
Posts: 105
Registered: ‎11-15-2011
0

Re: What do you think my chances are, Cap One Venture?

Hi there,

 

Thanks for the response.  I'm pretty new to the country so I don't have much credit history at all...  I'm really curious as to how others have fared in getting credit with a satisfied lien against them...

 

Your oldest account was opened 3 Years, 5 Months ago

Average age of your accounts 2 years 

 
cc's copy
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 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.

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.