AndySoCal wrote:
Joshy
I went to the Capital One web site in order to get a venture card you need excellent credit . Their definition of excellent credit is
1) You have been 60 days late on any type account in the last year
2) Never declared bankruptcy or defaulted on a loan. ( defaulted is been late)
3) I have had a loan or credit card with a credit limit of $5000 or more for at least three years.
Do you meet this criteria? The other concern they might have is all the recent credit accounts you have opened recently.
I assume that 1) is missing a "not" or "never" somewhere, or that's a strange definition of excellent!
Edit: Oh, I see:
I have not been more than 60 days late on any credit card, medical bill, or loan in the last year
So Cap One does allow a 60 day late in the past year.
