topic Venture Approved in Credit Card Approvals

Venture Approved

Skye12329 — Sat, 10 Aug 2024 14:49:39 GMT

I have to update my siggy at some point since a few cards I have closed now.

I was getting pre-approvals on their app saying SavorOne/QS/Platinum for good credit. Which wasn't an interest for me.

Experian app and CK kept saying - VentureOne and Venture - pre-approved. So I thought well that's a big difference in pre-approvals.

So I opened a web browser in incognito mode. Tried the pre-approval tool for the Venture line and sure enough Venture One and Venture came up. I was originally going to hold off for VX at some point. But couldn't help myself. 😅 The APR didn't show a set APR. It did show a range. So I wasn't confident. But did hit Apply.

Came back with a $5000 approval and 29% APR. They only pulled 2 bureaus. TransUnion and Experian. I was surprised they didn't pull Equifax.

DPs this is a tough one since what's interesting is each bureau is missing some information. E.g. my Equifax per CK (so take it with a grain of salt) doesn't have my bankruptcy listed. It says 0 derogs and 100% payment history. But the other 2 do have my BK showing. And my utilization is out of wack with EQ. Says it's 10% on EQ when I know it's a little higher.

Trans - 640 (per CK, so take with grain of salt)

Payment history - 98%

Utilization - 29%

Inquiries - 7, most should be falling off end of this year.

AAOA - 7 years, 4 months. (Thanks student loans)

Accounts - 41 (most of them being student loans)

Experian - 647 (per App)

Utilization - 29%

Payment history - 99%

Inquiries - 4

AAOA - I'm not sure where to find that in the app. I just know it's 7+ years.

Accounts - 41

Income: 120k

Re: Venture Approved

MissLiz — Sat, 10 Aug 2024 15:14:11 GMT

Congratulations on your Venture approval!

Re: Venture Approved

keekers — Sat, 10 Aug 2024 15:18:32 GMT

Congrats.

Re: Venture Approved

cashorcharge — Sat, 10 Aug 2024 16:40:18 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Venture Approved

Rdbeetle — Sat, 10 Aug 2024 17:59:04 GMT

Congrats on your $5k Venture approval!

Re: Venture Approved

creditrizz — Sat, 10 Aug 2024 19:24:30 GMT

Nice. The signup bonus on the Venture looks pretty good.

Re: Venture Approved

gingerflower — Sat, 10 Aug 2024 23:16:07 GMT

Congratulations!

Re: Venture Approved

NoMoreDebt — Sun, 11 Aug 2024 15:40:06 GMT

congrats

Re: Venture Approved

CreditAggie — Sun, 18 Aug 2024 06:04:07 GMT

Congratulations on your Venture approval!

Re: Venture Approved

LADave — Sun, 18 Aug 2024 20:17:01 GMT

Congratulations @Skye12329 on your Venture approval, and for your helpful DPs! Enjoy that SUB. 😉