topic Re: Really want a Venture.. should I apply? in Credit Cards

Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 12:15:40 GMT

But not sure if I should apply or not. Only scores I have are the FICO from Discover which is 680 but my TU from Cap One is 642. I've made payments on time everytime for 4 months yet this score has not changed weird. It says though Cap one does not use that score antways. I have a QS1 for 6 months all full payments. Income also 45000 I was not pre qualified btw

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 12:41:54 GMT

if you want it you can always try but if i were you i may wait until a prequals comes up so they don't tack on that 22.9% apr

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 14:13:35 GMT

Yeah only reason is I looked at that approval thread here where people post scores and whether they were accepted and it was mixed

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 14:17:52 GMT

your scores could be fine idk. idk what they pulled for me because last time i applied (like two months ago) they pulled one score and they had it at like 636 but none of them according to myfico (even bank card scores) were below 680

Re: Really want a Venture.. should I apply?

CraigHwk — Fri, 06 Nov 2015 14:31:55 GMT

My FICO was around 650 when I got approved for a Venture with $15k CL and 17.9% APR. Point of reference for ya.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 14:48:35 GMT

what's your income craig?

as another point of reference according to myfico i had a 686 equifax, 691 experian and 699 transunion when i applied. i was prequalified for venture and QS at 17.9% and got approved for $10k and $3k with an annual income of $30k lol

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 18:32:58 GMT

I might wait until my next credit update in two weeks to apply.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 18:50:51 GMT

If I were you, I would not apply for the Venture until you're pre-qualified for it on their website. I know there are some who get approved without pre-qualifying first, but I don't recommend trying. Capital One's pre-qualifier is pretty solid, so just wait until it shows up for you.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 18:57:31 GMT

DO NOT APPLY. Your time with Capital One is too short, and your scores are too low. Plus if you are not prequalified your chances are not good. This time next year your chances are much improved.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 19:20:07 GMT

Ok great I'll hold off.

Is citi thank you premier as hard? Just wanted to add another card by this year.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 19:23:15 GMT

Do you have any cards from Barclay's? With a 680 TU that could work. What is your current Eq? Cabelas may work if your score is around that same range.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 19:23:40 GMT

@Anonymous wrote:
Ok great I'll hold off.

Is citi thank you premier as hard? Just wanted to add another card by this year.

I don't know about Citi's Thank You Premier card. I've only gotten a few crappy "pre-approved" mailers from Citi, and I'm never pre-approved on their website, so I'm patiently waiting for them. Hopefully someone with experience with Citi can chime in here.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 19:29:03 GMT

Citibank is quirky. I think one's success with them is enhanced with scores over 700-710.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 19:29:04 GMT

citi is picky lol

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 19:36:32 GMT

What is today's Ex and Eq? If you are willing to use an inquiry on each bureau you could app for Barclay's Arrival, BBVA Compass Am Ex, and Cabelas Visa.

Re: Really want a Venture.. should I apply?

MauiMan85297 — Fri, 06 Nov 2015 21:16:30 GMT

I applied last week with myFico reporting TU at 641 EQ at 614 and EX at 591 and was approved for QS Visa 3k CL and then 10 secs later appd for Venture as both of these cards showed in my pre qual link plus the platinum and was approved for 10k CL for Venture (not Venture 1) @ 17.9 AF $59 waived first year. Salary is 64k and just received QS yesterday and Venture just came 15 minutes ago.

Re: Really want a Venture.. should I apply?

DeeBee78 — Fri, 06 Nov 2015 21:17:22 GMT

Venture approvals are all over the map. You have people with 700+ scores getting low limits or flat out denied, while some people with a BK and low 600's scores are getting $15-30k credit lines.

I'd wait until it shows up in the prequal.

Re: Really want a Venture.. should I apply?

taxi818 — Fri, 06 Nov 2015 21:30:10 GMT

@Anonymous wrote:
your scores could be fine idk. idk what they pulled for me because last time i applied (like two months ago) they pulled one score and they had it at like 636 but none of them according to myfico (even bank card scores) were below 680

For Venture they are using fico 04 version. Don't ask why but this is what they use.

So for example. Your fico 08 could be 720. But your fico 04 is 645.

or vise versa. Your fico 08 is 650 but your fico 04 is 710. no one knows why this is like this. But the only way to tell is to look at all your fico scores. and then you will knw for sure. I did get approved for Venture without a pre approval. at the time my fico 04 was about 670. although my fico 08 was over 700. they used all 3 scores but decided from my Eq score. as when i had the eq frozen. instant denial. unfroze and tried again. instant approval.

Re: Really want a Venture.. should I apply?

Anonymous — Fri, 06 Nov 2015 21:28:38 GMT

the one i was denied for a few months ago was the QS lol

Re: Really want a Venture.. should I apply?

kdm31091 — Fri, 06 Nov 2015 22:05:29 GMT

Citi can be picky too, and its not about just getting a card just to get it. Wait until your profile supports what you want vs worrying about whats "easier" and having an arbitrary deadline of having another card by the end of the year.