topic Does Capital One Venture follow the 5/24 rule? in Credit Cards

Does Capital One Venture follow the 5/24 rule?

Beast26 — Mon, 07 Apr 2025 19:44:48 GMT

Anyone got this card while being over 5/24? I do remember I got denied last year for this card and one of the reasons stated something like "number of trade lines opened in the last 24 months."

Re: Does Capital One Venture follow the 5/24 rule?

GZG — Mon, 07 Apr 2025 20:17:35 GMT

@Beast26 wrote:
Anyone got this card while being over 5/24? I do remember I got denied last year for this card and one of the reasons stated something like "number of trade lines opened in the last 24 months."

you're at the whim of the pre-approval tool, don't apply without being pre-approved, you will just be denied in the vast majority of cases.

https://www.capitalone.com/credit-cards/preapprove/miles/?landingPage=venture

'cards in the last 24 months' is a potential listed denial reason but it's not a hard rule

you can also try the VX pre-approval tool, which if declined, you will get a letter (emailed to you) with reason codes without having to apply fully, I imagine any reasons they list in the denial letter for VX, likely apply, at least in part or somewhat to Venture as well.

https://www.capitalone.com/credit-cards/preapprove/venture-x/

Re: Does Capital One Venture follow the 5/24 rule?

Beast26 — Mon, 07 Apr 2025 23:55:12 GMT

Thanks for the links! I tried and got two bullet points as to why I can't be approved.

1) Too many trade lines opened in the past 24 months. I think I'm at around 7 in the last 24 months.

2) too many trade lines open. I have about 10 or 11 cards open all with 0 missed payments or negatives.

Re: Does Capital One Venture follow the 5/24 rule?

Gregarious — Tue, 08 Apr 2025 02:04:11 GMT

Garden for a while if you want the Venture. No 5/24 but Capital One leans towards those who don't have too many recently opened cards for the Venture X, and with thinner profiles. I got the Venture and product changed to the Venture X after a year, since the bonus was the same and I didn't want another triple hard pull ever again unless it was for something amazing.