topic Re: Scored a Venture X today! in Credit Card Approvals

Scored a Venture X today!

biff-henderson — Sat, 04 Nov 2023 22:38:07 GMT

Wanted the C1 VentureX as it fit my travel habits pretty well. I usually take at least 2 trips a year, and AirBnB was my go to for stays, and the travel credit seemed good for that. After seeing the data points, and hearing about the SUB cuts and benefits cuts, I gave up on it.

Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:

My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures. That as definitely different from previous attempts. Called CS and asked some questions: Can you have more than 2 personal cards? Got a cryptic "...you can." If I've had small limits on my other C1 cards am I eligible for the $10K+ VentureX? "...thats not a factor in the approval process." Asked some more questions, was given a different number (application department) to call to get more specific answers based on my profile.

A few hours later, after figuring I just has some HPs drop off, what's the harm. So I found a 90K link, applied and was approved.

Think I'm done for now. Will probably downgrade my Surpass when it renews. Next summer I'll PC my Bonvoy to a Ritz, then I'm set for the foreseeable future -- unless something new and too good to be true comes out. Is this the norm?

FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).

Re: Scored a Venture X today!

Rebuild2019 — Sun, 05 Nov 2023 01:13:37 GMT

Congratulations on your Venture X approval and nice SL 🎉🎉🎉.

Re: Scored a Venture X today!

JoeRockhead — Sun, 05 Nov 2023 01:18:34 GMT

Nice SL, congratulations on your approval!

Re: Scored a Venture X today!

Blender — Sun, 05 Nov 2023 02:04:30 GMT

@biff-henderson wrote:
Wanted the C1 VentureX as it fit my travel habits pretty well. I usually take at least 2 trips a year, and AirBnB was my go to for stays, and the travel credit seemed good for that. After seeing the data points, and hearing about the SUB cuts and benefits cuts, I gave up on it.

Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:

My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures. That as definitely different from previous attempts. Called CS and asked some questions: Can you have more than 2 personal cards? Got a cryptic "...you can." If I've had small limits on my other C1 cards am I eligible for the $10K+ VentureX? "...thats not a factor in the approval process." Asked some more questions, was given a different number (application department) to call to get more specific answers based on my profile.

A few hours later, after figuring I just has some HPs drop off, what's the harm. So I found a 90K link, applied and was approved.

Think I'm done for now. Will probably downgrade my Surpass when it renews. Next summer I'll PC my Bonvoy to a Ritz, then I'm set for the foreseeable future -- unless something new and too good to be true comes out. Is this the norm?

B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).

and I cant get preapproval, approval, CLI for **bleep** lol Im just envious, not hating. Congrats Im glad you got a card that fits you with a nice SL!

Re: Scored a Venture X today!

biff-henderson — Sun, 05 Nov 2023 04:07:50 GMT

I know right! I'd all but given up on getting a CLI on my other 2 C1 cards. The only reason the Savor had any spend on it was it was set as a payment method on an accont I started using again.

I checked my email and had a pre-approval offer from C1 for the Walmart card from Thursday. Go figure :-/

Now I just have to make the SUB.

Re: Scored a Venture X today!

Zoostation1 — Sun, 05 Nov 2023 07:16:22 GMT

Congrats on the approval! While they gave you the highest interest rate (probably due to the prior lates), a $20k SL indicates they're still pretty comfortable with you. I had 2 other Cap 1 cards with relatively low with the min $10k limit).

Re: Scored a Venture X today!

PNWRambler — Sun, 05 Nov 2023 13:02:33 GMT

Congrats on the approval! $20k is a great SL

Re: Scored a Venture X today!

NoMoreDebt — Sun, 05 Nov 2023 13:37:02 GMT

Congrats on the approval

Re: Scored a Venture X today!

Jordan23ww — Sun, 05 Nov 2023 13:44:10 GMT

Congratulations on your approval, great starting limit and on getting the elevated welcome offer!

Re: Scored a Venture X today!

citymunky — Sun, 05 Nov 2023 14:38:00 GMT

@biff-henderson wrote:

B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).

Congrants on the VX approval, although this DP truly adds to the mystery on what Captal One is looking for when approving applications for the VX.

@biff-henderson wrote:
Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:

My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures.

Something wroth noting is the the regular CapOne Pre-approval only checks for eligibility for

1) QS for excellent credit,

2) SavorOne Rewards for excellent credit,

3) Venture

4) Venture One

5) Savor (w/ the AF)

6) Platinum

7) QS1 for fair credit

8) QS1 secured

9) Platinum secured

The Venture X is not mentioned. Here is the link to the Cap1 VX Pre-Approval page if anyone is looking--> https://www.capitalone.com/credit-cards/preapprove/venture-x/

Re: Scored a Venture X today!

firefox100 — Sun, 05 Nov 2023 18:44:46 GMT

Congratulations on very nice starting limit, enjoy all that traveling have fun.

Re: Scored a Venture X today!

M_Smart007 — Sun, 05 Nov 2023 21:11:08 GMT

Congratulations on your Approval 🎉

Re: Scored a Venture X today!

BigBS — Mon, 06 Nov 2023 00:27:51 GMT

Congrats!

Re: Scored a Venture X today!

youngandcreditwrthy — Mon, 06 Nov 2023 18:06:44 GMT

Congrats and although I bet you PIF.

Isn't it hilarious how we get these big approvals at loan shark rates lol??

NEVER carry a balance on this. I got 30.49% on my 14k QS a couple months ago.

Good luck :-)

@biff-henderson wrote:
Wanted the C1 VentureX as it fit my travel habits pretty well. I usually take at least 2 trips a year, and AirBnB was my go to for stays, and the travel credit seemed good for that. After seeing the data points, and hearing about the SUB cuts and benefits cuts, I gave up on it.

Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:

My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures. That as definitely different from previous attempts. Called CS and asked some questions: Can you have more than 2 personal cards? Got a cryptic "...you can." If I've had small limits on my other C1 cards am I eligible for the $10K+ VentureX? "...thats not a factor in the approval process." Asked some more questions, was given a different number (application department) to call to get more specific answers based on my profile.

A few hours later, after figuring I just has some HPs drop off, what's the harm. So I found a 90K link, applied and was approved.

Think I'm done for now. Will probably downgrade my Surpass when it renews. Next summer I'll PC my Bonvoy to a Ritz, then I'm set for the foreseeable future -- unless something new and too good to be true comes out. Is this the norm?

B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).

Re: Scored a Venture X today!

CreditAggie — Tue, 07 Nov 2023 05:18:51 GMT

Congratulations on your Venture X approval!

Re: Scored a Venture X today!

Zoostation1 — Tue, 07 Nov 2023 05:29:56 GMT

@citymunkyThe regular preapproval page will also offer the "for good credit" versions of SavorOne, QS, and VentureOne that have no sub if you don't qualify for the std "excellent credit" versions with the SUB (these do not count for the 2 sub prime cards limit though).

Re: Scored a Venture X today!

cashorcharge — Wed, 08 Nov 2023 21:57:17 GMT

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Scored a Venture X today!

biff-henderson — Thu, 09 Nov 2023 23:24:54 GMT

"...NEVER carry a balance on this."

I know right! LOL.

Re: Scored a Venture X today!

DXness — Fri, 10 Nov 2023 00:34:30 GMT

Congrats on your VX and its fantastic SL!

@biff-henderson wrote:
B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue!

BTW - MyFico will show you a free EQ8, but it may be confusing on how to get it. When I signed up, the desktop version didn't show any free score option, but it came up immediately when I tried mobile.

Re: Scored a Venture X today!

quikj9 — Sat, 11 Nov 2023 04:07:29 GMT

Congrats on your Venture X approval!

Thanks for providing those data points. I'm hoping to make it my next card once I get my utilization down.