topic Re: Venture AAOA in Credit Card Applications

Venture AAOA

Anonymous — Mon, 07 Dec 2015 01:48:40 GMT

What was you AAOA when approved or denied? Also what was your oldest cards age?

Re: Venture AAOA

Anonymous — Mon, 07 Dec 2015 02:09:49 GMT

AAoA: 11 years

Median Fico: 615 at time of application.

Oldest Card: I had a Capital One platinum since June 2011 during BK (see below) with positive history, converted from Orchard.

Discharged from chapter 13 4 weeks prior to application. Capital One IIB. Approved for 30K Venture. I love Capital One for the second chance and use the Venture as my daily card now. I am putting $3K+ a month through it and love the "miles" earned. You don't have to travel a lot to make the card worthwhile like some say. It doesn't take much in travel costs to redeem those points and it's so easy with the purchase eraser! Good luck if applying!

Re: Venture AAOA

ddemari — Mon, 07 Dec 2015 23:16:49 GMT

Approved Venture-15k Aaoa was 3.5 years, total credit history 14 years.

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 00:21:10 GMT

approved
AAoA 2 years 11 months
oldest card is barely over 6 years

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 02:31:50 GMT

AAOA - 1.1 Year

Garden 6 months

Low 700's CS

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 01:50:55 GMT

lol why did you quote me on that

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 02:32:30 GMT

Re: Venture AAOA

My_Fako — Tue, 08 Dec 2015 20:39:06 GMT

Etx,

You give me hope... Was your score really 615? 08 or 04 fico?

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 20:48:09 GMT

My DW applied COLD and was approved for 5K. her AAOA is approx. 2 yrs. Only other cards she has is Cap1 Plat and QS1. Her TU Score was 678. They sent her score with the welcome kit.

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 20:58:23 GMT

people with very low scores getting venture are because their internal score with cap1 is good. i wouldn't recommend going for it if you're sub 670 (even though approvals happen, it's not as common) YMMV

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 21:03:02 GMT

Do they pull the fico 08 bankcard score or the regular general fico score?

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 21:06:18 GMT

not fico 08 but idr honestly

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 21:06:32 GMT

some say fico 04 but i don't think that's correct either.

Re: Venture AAOA

Anonymous — Tue, 08 Dec 2015 21:41:32 GMT

@Anonymous wrote:
AAoA: 11 years
Median Fico: 615 at time of application.
Oldest Card: I had a Capital One platinum since June 2011 during BK (see below) with positive history, converted from Orchard.

Discharged from chapter 13 4 weeks prior to application. Capital One IIB. Approved for 30K Venture. I love Capital One for the second chance and use the Venture as my daily card now. I am putting $3K+ a month through it and love the "miles" earned. You don't have to travel a lot to make the card worthwhile like some say. It doesn't take much in travel costs to redeem those points and it's so easy with the purchase eraser! Good luck if applying!

Wow.

Re: Venture AAOA

OmarGB9 — Tue, 08 Dec 2015 21:55:56 GMT

AAoA at around a year. Oldest TL only 2.5 years approximately. Scores around 670-680.

Re: Venture AAOA

taxi818 — Wed, 09 Dec 2015 01:42:25 GMT

@Anonymous wrote:
What was you AAOA when approved or denied? Also what was your oldest cards age?

Was approved with my AAoA being at the time about 10 months. but that was because i had too many accounts. I had already been with cap one for about 18 months when i apped for the Venture card. So I had a proven track record with them.

Re: Venture AAOA

Anonymous — Wed, 09 Dec 2015 04:47:27 GMT

@My_Fako wrote:
Etx,

You give me hope... Was your score really 615? 08 or 04 fico?

That is an 08 score. My wife had a very similar profile when applying and was approved as well. We were both prequalified or would have never applied.