topic Re: A SECOND VENTURE CARD?? in Credit Cards

A SECOND VENTURE CARD??

Anonymous — Sat, 20 Jun 2015 05:34:31 GMT

Hey All,

So I found myself feeling a little bored while trying to get to sleep and cheked pre-selected offers on Cap1, just to pass the time.

I was offered a Quicksilver (with a VS logo - not sure if that means anything) at 17.9 APR.

Then the interesting one was a Venture at 17.9 APR. It's interesting because I already have a Venture with 15K and 22.9 APR

and a Venture ONE with 8K.

I know other people have applied for and received TWO Ventures. I have no intention of taking the offers as I'm trying to garden

until my home refinance.

i'm curious if the Cap 1 pre-quals mean anything and what reports have been coming through of apping for the 2nd Venture card??..

Re: A SECOND VENTURE CARD??

Anonymous — Sat, 20 Jun 2015 06:01:24 GMT

There have been cases of people gettting second Venture cards. It doesn't mean anything to you if you're not ready to pull the trigger. See if the offer is still up after your mortgage closes......and go for it then?

Re: A SECOND VENTURE CARD??

Anonymous — Sat, 20 Jun 2015 06:25:33 GMT

Perhaps it's a sign to ask if they can lower your Venture APR to the one advertised on the pre-qual

Re: A SECOND VENTURE CARD??

Membersince2013 — Sun, 21 Jun 2015 04:22:25 GMT

@Anonymous wrote:
Perhaps it's a sign to ask if they can lower your Venture APR to the one advertised on the pre-qual

But, the thing is that CapitalOne will never do that. At least not ~~temporarily.~~ permanently.

Re: A SECOND VENTURE CARD??

icyhot — Sat, 20 Jun 2015 16:15:15 GMT

If people got two ventures it'd probably be for the bonuses and hopes that C1 will start consolidating limits soon

Re: A SECOND VENTURE CARD??

Anonymous — Sat, 20 Jun 2015 17:18:14 GMT

@Membersince2013 wrote:
@Anonymous wrote:
Perhaps it's a sign to ask if they can lower your Venture APR to the one advertised on the pre-qual
But, the thing is that CapitalOne will never do that. At least not temporarily.

Capital One won't lower APRs? That's a drag.

Re: A SECOND VENTURE CARD??

redpat — Sat, 20 Jun 2015 17:28:09 GMT

@icyhot wrote:
If people got two ventures it'd probably be for the bonuses and hopes that C1 will start consolidating limits soon

Can you get another bonus for the same card that you already have?

My thought is, why have another annual fee?

If you want another C1 why not QS Visa? Zero % offer.

Re: A SECOND VENTURE CARD??

Anonymous — Sat, 20 Jun 2015 20:43:34 GMT

Pretty sure they will lower APR's as when you send a secure message one of the default options is APR reduction

Re: A SECOND VENTURE CARD??

JSS3 — Sat, 20 Jun 2015 21:11:34 GMT

Cap1 offers to lower APRs temporarily.

Re: A SECOND VENTURE CARD??

happypill — Sun, 21 Jun 2015 00:50:24 GMT

@redpat wrote:
@icyhot wrote:
If people got two ventures it'd probably be for the bonuses and hopes that C1 will start consolidating limits soon
Can you get another bonus for the same card that you already have?

My thought is, why have another annual fee?

If you want another C1 why not QS Visa? Zero % offer.

There's a $400 sign-on bonus for Venture. You cannot get that on an existing card, but some people have been able to get a 2nd bonus with a 2nd Venture card. Zero% has no value to someone looking for sign-on bonuses.

Re: A SECOND VENTURE CARD??

Anonymous — Mon, 22 Jun 2015 04:51:59 GMT

Thanks.

I don't carry a balance but I guess it woldn't hurt to get the APR lowered.

Is it really only temporary though? for how long?

Re: A SECOND VENTURE CARD??

Membersince2013 — Mon, 22 Jun 2015 09:32:33 GMT

@Anonymous wrote:
Thanks.

I don't carry a balance but I guess it woldn't hurt to get the APR lowered.

Is it really only temporary though? for how long?

H.

Usually for 6 months. I've been with CapitalOne since my high school days and not once have they lowered my APR permanently. I'll be suspicious of anyone who tells me otherwise.