topic Re: Travel card(s) approval odds? in Credit Card Applications

Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 02:18:00 GMT

I've currently been looking for a new card that would benefit me for traveling. I've posted before and thought about applying for the capitalone ventureone but held off.

I am in school full time right now have a part time job so I don't earn a lot right now (about 20k) my longest credit card has been open for a year (Wells Fargo) and my newest one has been open for 6 months (discover) both cards just gave me a CLI without asking. I've never had any late payments and always PIF. I keep my credit utilization under 10% and have never had any deragatory marks.

I was wondering if I'd have a better chance at applying for the capital one ventureone card or perhaps the citi aadavantage platinum card. My study abroad trip is coming up so I do need a card with no FTF and I also plan on taking a trip before I leave. Any other suggestions would be helpful

My scores are as follows: 740(TU) 753(equifax) 738 fico

Re: Travel card(s) approval odds?

simplynoir — Tue, 06 Jun 2017 02:47:15 GMT

Have you tried the CapOne prequal page to see if the VentureOne and/or Venture pop up? In any case assuming the scores on your signature are accurate I think regardless you should be good apping for the V1.

Re: Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 02:49:12 GMT

OP, what is the source of the credit scores you provided above?

Also, from what I understand, the Capital One Venture is not a "real" travel card.

Re: Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 03:16:26 GMT

I know they aren't fully accurate but they are from credit karma. I'm not sure what site I should use to view my actual credit scores not just reports. As for my fico score I checked it though my Wells Fargo and discover card.

Re: Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 04:03:11 GMT

Get Barclays Arrival +. You get 550 dollars off any travel expense when you spend 3k in first 3 months. Plus 2x miles for any purchase. It is all reimbursed travel. (Rental Car, AIrline Tickets, Bus, Hotel, train wahtever).

Re: Travel card(s) approval odds?

taekwon — Tue, 06 Jun 2017 14:03:40 GMT

If you want a good travel card that doesn't have a high AF, as stated above I would recomend the Arrival+ or the Venture. Both have AF under $90 that are waived the first year, both have good sign up bonuses, no FTF and both offer 2miles/$1 on all purchases. I don't have any expeience with the Arrival+ but the Venture has been a very good card to me over the last year.I travel through Europe and Asia 11months a year and never had any setbacks/issues with the card.

Re: Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 17:52:31 GMT

The venture would be a good card I just don't think I would qualify for the venture or arrival + with my income, which is why I was looking at the aadvantage and the ventureone

Re: Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 19:27:46 GMT

@Anonymous wrote:
I know they aren't fully accurate but they are from credit karma. I'm not sure what site I should use to view my actual credit scores not just reports. As for my fico score I checked it though my Wells Fargo and discover card.

Credit Check Total. $1 gets you your 3 FICO 08 scores, then in 7-10 days you can get those same 3 scores again at no additional cost. Any time in the first 7 days call to cancel your trial membership and you'll never get charged more than that original dollar. Along with your scores you'll get some nice detailed 3B reports, which will be archived for you to see forever, even long after you close your trial membership.

Re: Travel card(s) approval odds?

Anonymous — Tue, 06 Jun 2017 20:37:15 GMT

I'll definitely have to check out that site later today and update my scores if they are different. Also any insight on different cards or the cards I listed?

Re: Travel card(s) approval odds?

Anonymous — Wed, 07 Jun 2017 00:05:23 GMT

Not from me, as I don't travel and have never had a use for a travel card. I have not even researched them since I know they'd never end up in my wallet outside of a sign on bonus. The only reason I scooped up the Chase Sapphire Preferred was because of the $500 bonus, for example.

Re: Travel card(s) approval odds?

Anonymous — Wed, 07 Jun 2017 00:59:58 GMT

@Anonymous.

I qualified for the Venture card a year and a half ago and my income at the time was around $45k. While I was not able to get a five figure SL, I was able to come in at $5k. If your scores are high enough, it could help you get a higher limit. At the time of my approval, they pulled EQ 05, TU 04, and EX 03. Not sure what they are pulling now.