topic Re: Capital One Venture Question in Credit Card Applications

Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 16:52:13 GMT

I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Re: Capital One Venture Question

dobirdsmommy — Tue, 03 Mar 2015 17:28:18 GMT

@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 18:30:23 GMT

@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night

LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.

Re: Capital One Venture Question

dobirdsmommy — Tue, 03 Mar 2015 18:33:44 GMT

@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.

They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 18:38:06 GMT

@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.
They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k

I have a$1600 unpaid Fed Tax Lien that's 7 years old.

Re: Capital One Venture Question

dobirdsmommy — Tue, 03 Mar 2015 18:52:42 GMT

@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.
They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k
I have a$1600 unpaid Fed Tax Lien that's 7 years old.

Check your PM but I laughed at that amount!

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 19:21:50 GMT

@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.
They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k
I have a$1600 unpaid Fed Tax Lien that's 7 years old.
Check your PM but I laughed at that amount!

LOL!

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 20:22:44 GMT

Apply right now if it's the card you want! You are approved and I doubt a minor change, especially a new account will help you at all.

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 20:39:13 GMT

shoot for it. why wait till it shows.

Re: Capital One Venture Question

bengalikejenga — Tue, 03 Mar 2015 20:51:47 GMT

i think you have a great shot at getting a great CL... i was approved to $10k and my second highest CL was $3K at approval.... plus my Ex and EQ scores were from 630-670. with baddies on my Ex.

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 21:17:05 GMT

Do it!! You have a great chance and I see a approval of at least 10K!!

I caved in last month and applied. I didn't have any preapprovals at all when I checked but I still took the chance!! So I think your chances of 10K are great!!

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 21:17:38 GMT

It is now my 2nd largest CL (next to My Navy card)

Re: Capital One Venture Question

racer-x — Tue, 03 Mar 2015 21:54:51 GMT

]http://oi60.tinypic.com/2euilqq.jpg

http://tinypic.com/view.php?pic=126a8oz&s=8#.VPYtkVI5DmI

Re: Capital One Venture Question

Anonymous — Tue, 03 Mar 2015 22:26:47 GMT

@racer-x wrote:
]http://oi60.tinypic.com/2euilqq.jpg

http://tinypic.com/view.php?pic=126a8oz&s=8#.VPYtkVI5DmI

ROFL! That cracked me up!

Re: Capital One Venture Question

dobirdsmommy — Wed, 04 Mar 2015 12:26:37 GMT

Racer is a bad influence

Re: Capital One Venture Question

Anonymous — Wed, 04 Mar 2015 04:11:30 GMT

I apped and was denied!! Dont get sucked in--triple hard pull *wounded*

Re: Capital One Venture Question

bigblue7722 — Wed, 04 Mar 2015 12:19:32 GMT

@Anonymous wrote:
I apped and was denied!! Dont get sucked in--triple hard pull *wounded*

did you have a pre qual offer?

Re: Capital One Venture Question

Anonymous — Wed, 04 Mar 2015 15:14:19 GMT

@Anonymous wrote:
I apped and was denied!! Dont get sucked in--triple hard pull *wounded*

Yeah that 5K+ hard limit kinda makes it hard to slip beneath the cracks... VentureOne might have been an approval for 3K or so.