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cap one pre proved venture got declined

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umut
Contributor

cap one pre proved venture got declined

i got pre approved venture offer in the mail then i applied  i got declined  its sucks

Message 1 of 19
18 REPLIES 18
h4ldol
Contributor

Re: cap one pre proved venture got declined

That sucks!

 

What was your credit profile like when you applied?

Message 2 of 19
umut
Contributor

Re: cap one pre proved venture got declined

724 credit score no late payments 3 inquiries last 6 months  no balance in all cards i dont know thats sucks

Message 3 of 19
Anonymous
Not applicable

Re: cap one pre proved venture got declined

That sucks

Message 4 of 19
CreditWorld2013
Frequent Contributor

Re: cap one pre proved venture got declined

Do you have any credit cards with at least (or close to) a $5,000 CL. Also how old is your credit file or Average Age of Acounts?

I hear Capital One uses that as a minimum CL on its Prime Cards and likes to see a few years of credit. 

Message 5 of 19
LS2982
Mega Contributor

Re: cap one pre proved venture got declined


@umut wrote:

724 credit score no late payments 3 inquiries last 6 months  no balance in all cards i dont know thats sucks



Those 2 might have hurt you.




EQ FICO 548 3/3/16
Message 6 of 19
clocktick
Valued Contributor

Re: cap one pre proved venture got declined

Yikes, I'm sorry.  The Venture is such a decent card too.  What's too bad is I'm sure they HPed all 3 of your CRs.  I'd wait until you get the letter to see what their reasoning is (although sometimes the "reasons" don't make sense). 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 7 of 19
jefftca925
Established Contributor

Re: cap one pre proved venture got declined

I've gotten two "pre-approved" offers from them recently for the Venture card but just not interested in a card that has 3 HPs.  The last offer had 10k bonus points and 12 months 0% financing which is what they have on their website.  Not a big fan of Cap 1 (we have their Spark Travel card at work).  

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 8 of 19
Anonymous
Not applicable

Re: cap one pre proved venture got declined

That's unfortunate, but as we all know, pre-approvals are not guarantees.

Message 9 of 19
trumpet-205
Valued Contributor

Re: cap one pre proved venture got declined


@clocktick wrote:

Yikes, I'm sorry.  The Venture is such a decent card too.  What's too bad is I'm sure they HPed all 3 of your CRs.  I'd wait until you get the letter to see what their reasoning is (although sometimes the "reasons" don't make sense). 


4 hard pulls actually. Capital One also pulls Innovis.

Message 10 of 19
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