topic Re: Venture approval (no prequal, no triple pull) in Credit Card Approvals

Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 17:51:44 GMT

So that anyone out there in the same situation as me can have a data point, I was approved for 15k Venture with EX on ice. (Please note, this wasn't done on purpose - I can't get EX unfrozen without doing verification and paying $10, which I didn't feel like doing, and AMEX hammered my EX with 3 pulls earlier this year anyway)

I was about ready to leave Cap One forever, they hadn't been very good to me in the past, as all of my Cap One cards were former HSBC cards that never received CLIs and I was denied for the Venture in Feb for some BS reasons (and scores only 20 points lower). This week, however, they gave me a 2k CLI on my QS1, so I figured maybe they had turned a corner or something. Tried to get a preapproval, but didn't get one as usual. I decided to app anyway because I was planning on gardening after this for awhile.

Boom - $15k Venture, which is 3x my highest limit card previously. Definitely took a TU hit, and I'm sure EQ as well, but hasn't shown up yet. Who knows, maybe they only pulled TU.

TU is at 700, EQ at 695. Util 17%

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 17:54:57 GMT

congrats. i want one but am scared lol

Re: Venture approval (no prequal, no triple pull)

jkt1975 — Fri, 17 Jul 2015 18:12:07 GMT

congrats!!

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:17:38 GMT

2011xterror, try the pre qual!!!

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:17:51 GMT

Congrats op!!

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:19:58 GMT

my prequal pops up QS1 lol. no thanks.

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:20:46 GMT

Really????? Don't blame ya!! What scores do you have??

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:25:32 GMT

according go myfico
experian - 661
equifax - 664
transunion - 669

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:27:39 GMT

Those scores should get you approved.

Re: Venture approval (no prequal, no triple pull)

morgacj2004 — Fri, 17 Jul 2015 18:30:16 GMT

Congrats.!! I am really on the fence about applying for the Venture One. I already have a Venture, QS and Plat. This would be my 4th CO card. I would only apply to eventually consolidate the CL with my regular Venture.

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:37:31 GMT

Congrats on the approval!
Im on the fence about applying because its 3 hard pulls and I would hate to waste that on a denial
My score from EX is 705 and my utilization on my last credit report from EX was 33%
I have to CC's. Capital one quick silver which i just requested a CLI and got approved so its at $4300 now. My other is discover student which is only at $750. Granted I am 19 so this is pretty damn good ha. But my question is should i apply now or wait for a new credit report to come out because my fiance will add me as an authorized user on her venture one card which has a 3k limit and my utilization will be around 9%?

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:40:35 GMT

my utilization is around 2% i think. idk i think i need to wait until my reports update because 3 inquries were due to fall off on 07/02/15

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:41:51 GMT

I would wait until your util comes down for a better rate. You will probably get approved now, but waiting may be better.

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:43:55 GMT

Thats what a CapitalOne rep said when i called for my CLI. He kind of laughed too because my credit limit was higher than his and he was 25
But okay I'll wait. Im just ao anxious to start building up reward points!!!

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:44:59 GMT

I'm waiting util the 28th, I'm at 12% util because of a big purchase that was paid off. I also have cli's I want reported before I app.

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:47:38 GMT

Is the 28th when Experian makes a new report? And mine was high on my last statement but I've gotten it down quite a bit since than. But on a side note what other CC's should I consider for rewards based on my score and utl next month?

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:48:19 GMT

@Anonymous wrote:
I'm waiting util the 28th, I'm at 12% util because of a big purchase that was paid off. I also have cli's I want reported before I app.

Hey! You said it was the 24th. What's with making me wait another 4 days?

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:50:01 GMT

No the 28th is when all my cards will have reported. You cards report after the statement cuts. You would have to look at your statements for those dates.

How old are your accounts? Any baddies? What is your aaoa? What are your other scores?

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:51:37 GMT

Lol that is because I noticed my fico updates one of my cli on that day. That's what I'm waiting for.😜

I know the wait time is killing me too!! Booo! I want the best score for Amex! Lol

Re: Venture approval (no prequal, no triple pull)

Anonymous — Fri, 17 Jul 2015 18:54:56 GMT

My accounts are only 1.2 yrs old, never missed a payment, always pay substantially more than the min, and no negatives on my credit report besides the fcat I got 7 inq's. Sorry to ask but whats my aaoa? And my Equifax is 717 and TU is 703. So my only negatives are short credit history and inq's? But the rep i talked to said my history with CapitalOne is short, but in that short time I've proven my credit worthiness by all of my examples above and said that would positively affect my app.