topic Re: capital one ventureone rejection in Credit Cards

capital one ventureone rejection

scottwagnon — Sat, 25 Mar 2017 07:32:30 GMT

for years and years, i have attempted to apply for this card with the 12.9 apr starting limit and have gotten NOWHERE.... there was a 2 month window in 2015 that capital one was loving me and was willing to offer it to me, but i only applied for the quiksilver card instead because i REALLY wanted that instead. so now almost two years later, and still no luck. i know i am going to hear, "well, you should have pulled for the other card too when the iron was hot." i know.

what gives... i cant get anywhere with them. they're like giant granite stone giants when it comes to allowance. after six years and still NO superprime ventureone card.

my fico is around 790 and i have 240k in available credit.

Re: capital one ventureone rejection

Anonymous — Sat, 25 Mar 2017 07:32:30 GMT

If you already have the quicksilver why would you want the venture one? 1.5% cash back vs. 1.25% limited to travel

Re: capital one ventureone rejection

redpat — Sat, 25 Mar 2017 11:46:05 GMT

@Anonymous wrote:
If you already have the quicksilver why would you want the venture one? 1.5% cash back vs. 1.25% limited to travel

Also, I notice you have Venture and Arrival+ why wouldn't you move Venture CL into QS and save $59 or close Barclay?

Re: capital one ventureone rejection

AverageJoesCredit — Sat, 25 Mar 2017 12:13:39 GMT

With a 790 and 240k credit available is it really that important to have? Wouldnt it be better for you to have a Venture card if you had to get one? ( no pun intended )

Re: capital one ventureone rejection

Dalmus — Sat, 25 Mar 2017 13:31:36 GMT

If you already have the Venture, why would you want the VentureOne? You should be able to cover the annual fee pretty easy with 2% on every purchase. At 1.25%, the VentureOne is not even as good as the QS.

Re: capital one ventureone rejection

Anonymous — Sat, 25 Mar 2017 15:09:08 GMT

I've been watching these boards for years and I remember reading some of your posts from several years ago (you have not been active in a while, welcome back). Weren't you the one that applied for one or two HSBC cards after the announcement that Capital One was buying them just so you could have Capital One cards? And after all that, they stayed HSBC cards?!?!?

Admittedly, I am biased and I have a soft spot for Capital One. They gave me my first credit card 19 years ago and have treated me well. Having said that though, with your credit..... move on. For whatever reason they do not seem to like you, which is something I really have not seen from Capital One....very strange.

At this point it is more about getting a Capital One card because they have denied you so often; sort of a game. After the initial sign up bonus, this card and its copycat Barclaycard Arrival pale in comparrison to a 1.5% and 2% cash back card.

Re: capital one ventureone rejection

scottwagnon — Sun, 26 Mar 2017 01:38:01 GMT

its about the game of obtaining a card thats difficult for me to get. also I LOVE the way the card looks.

@Anonymous wrote:
If you already have the quicksilver why would you want the venture one? 1.5% cash back vs. 1.25% limited to travel

Re: capital one ventureone rejection

scottwagnon — Sun, 26 Mar 2017 01:42:19 GMT

@redpat wrote:

Also, I notice you have Venture and Arrival+ why wouldn't you move Venture CL into QS and save $59 or close Barclay?

i did have a venture one but never an arrival+, but the venture one was a conversion from an prior existing subprime account. it ALWAYS had a terrible interest rate of 24.9 no matter what i tried.

Re: capital one ventureone rejection

scottwagnon — Sun, 26 Mar 2017 01:46:51 GMT

@AverageJoesCredit wrote:
With a 790 and 240k credit available is it really that important to have? Wouldnt it be better for you to have a Venture card if you had to get one? ( no pun intended )

actually if you look at the full benefits, unless you are jetset, the ventureone outweighs the cost per benefit over the regular venture card. even with the promo intro no annual fee included with the venture vs the ventureone, you STILL dont receive 0 percent apr for 9 months or a year when the venture one offers it, IN ADDITION to the no yearly annual fee. also the regular apr is less than the venture. and dont forget you have to spend THREE times as much to only receive twice the intro bonus reward with the venture vs ventureone.

Re: capital one ventureone rejection

scottwagnon — Sun, 26 Mar 2017 01:49:45 GMT

@Dalmus wrote:
If you already have the Venture, why would you want the VentureOne? You should be able to cover the annual fee pretty easy with 2% on every purchase. At 1.25%, the VentureOne is not even as good as the QS.

i never had the venture card; i did at one time have a subprime converted ventureone, but it just didnt feel completely satisfying. it might have looked great on the outside, but its paltry limit of 5.4k with a 24.9 percent apr, it completely sucked to me.

Re: capital one ventureone rejection

scottwagnon — Sun, 26 Mar 2017 02:08:26 GMT

@Anonymous wrote:
I've been watching these boards for years and I remember reading some of your posts from several years ago (you have not been active in a while, welcome back). Weren't you the one that applied for one or two HSBC cards after the announcement that Capital One was buying them just so you could have Capital One cards? And after all that, they stayed HSBC cards?!?!?

Admittedly, I am biased and I have a soft spot for Capital One. They gave me my first credit card 19 years ago and have treated me well. Having said that though, with your credit..... move on. For whatever reason they do not seem to like you, which is something I really have not seen from Capital One....very strange.

At this point it is more about getting a Capital One card because they have denied you so often; sort of a game. After the initial sign up bonus, this card and its copycat Barclaycard Arrival pale in comparrison to a 1.5% and 2% cash back card.

WOW! touché touché!!

i didn't think ANYONE would EVER remember this let alone in detail!! YES. this is ABSOLUTELY correct. the hsbc card i had eventually closed due to inactivity.

i figured that anyone reading what i wrote back them would have indeed dismissed my posts as loud noise. i was SO into it. even more obsessed with obtaining a prime capone card than i am today. i spent WAY too much time back then pining over a prime capone card.

well today i do have two prime cap one cards. the buypower card with 12k and 15% apr is one and for some reason that seemed easier to obtain. the other was of course the quicksilver with standard purchase starting apr at 12.9 with 11k.

there was a two month window (april to may 2015) where i FINALLY was pre approved for both a ventureone with a 11.9 apr like i had been aiming for at least over 4 years, IN ADDITION to a also coveted quicksilver card with a 150 bonus and 12.9 apr after 9 months 0 apr. this is what i had been waiting for for SO VERY LONG (am i repeat???)

ironically at that point i was like i could take it or leave it. so knowing i already had a subprime ventureone card i still faithfully belived would convert to prime/superprime eventually if i WOULD only just keep calling in. so instead of attempting TO PULL FOR BOTH OFFERS, i unfortunately only pulled for the quicksilver..... :.(

so here i am once again back to square one, once again pining for the SAME card i did pine for all the way back in early 2011.

Re: capital one ventureone rejection

Anonymous — Sun, 26 Mar 2017 03:32:27 GMT

@scottwagnon wrote:

WOW! touché touché!!
i didn't think ANYONE would EVER remember this let alone in detail!! YES. this is ABSOLUTELY correct. the hsbc card i had eventually closed due to inactivity.
i figured that anyone reading what i wrote back them would have indeed dismissed my posts as loud noise. i was SO into it. even more obsessed with obtaining a prime capone card than i am today. i spent WAY too much time back then pining over a prime capone card.
well today i do have two prime cap one cards. the buypower card with 12k and 15% apr is one and for some reason that seemed easier to obtain. the other was of course the quicksilver with standard purchase starting apr at 12.9 with 11k.
there was a two month window (april to may 2015) where i FINALLY was pre approved for both a ventureone with a 11.9 apr like i had been aiming for at least over 4 years, IN ADDITION to a also coveted quicksilver card with a 150 bonus and 12.9 apr after 9 months 0 apr. this is what i had been waiting for for SO VERY LONG (am i repeat???)
ironically at that point i was like i could take it or leave it. so knowing i already had a subprime ventureone card i still faithfully belived would convert to prime/superprime eventually if i WOULD only just keep calling in. so instead of attempting TO PULL FOR BOTH OFFERS, i unfortunately only pulled for the quicksilver..... :.(
so here i am once again back to square one, once again pining for the SAME card i did pine for all the way back in early 2011.

Yeah, I remembered for two reasons 1) you posted that back when most here were calling Capital One, "Crap One" so it was nice to see that there was somebody out there that thought of Capital One as almost their halo card and 2) I like South Park (in regards to your Kyle icon).

It is very odd that you are one of the very few that has a decent credit line/APR on the GM BuyPower card, yet cannot get the Venture One/Venture card. Almost like the computer system is messing with you.

I am certainly not thinking of you as crazy and I think everybody here has at one time wanted a card so badly that they couldn't stand it; but for most that would not be Capital One. Mine was Discover. I wanted a Discover Card so bad that it was making me crazy. I also wanted to make sure I got one before the year 2000 so I could have a Cardholder Since 1999 on it LOL. Between 1998 and 1999 I was denied three times before finally in the last few weeks of 1999 I finally got one on the fourth try. I had no problems at all getting an AMEX, but Discover wanted to mess with me.

So I understand your plight.

Re: capital one ventureone rejection

scottwagnon — Sun, 26 Mar 2017 05:02:16 GMT

I also love discover.. it is interesting that you happen to mention Discover because boy they really like giving me a credit line increases one right after the other. My last increase they offered me 27k; for the first time ever I declined the full credit line increase and only asked for 24k. So of course I have their cash (IT) card as well as their miles card. Which is at 23.3k

Re: capital one ventureone rejection

JayRizzo — Sun, 26 Mar 2017 12:03:50 GMT

No comment here, just glad to see another familiar and valued contributor from the old Card Act Days... We're the 2010 Babies!!! LOL

Re: capital one ventureone rejection

scottwagnon — Mon, 27 Mar 2017 19:24:08 GMT

here are the results of my rejection, i would go into detail, but i am busy and will come back later to touch up