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Venture One pre-qualified offer

1prettyorchid
Established Member

Venture One pre-qualified offer

Prior to filing, I was pre approved for the QS1. Right below that offer it said, "We also suggest, Venture One, Platinum, and a secured card." My charge off date for CapOne was in 2017 or 2018. I did a SP yesterday and it still shows those cards as offers. I wont do a hp until after my dc. I would like to try for the Venture One. 

After my dc, if the offer is still there should I go for it?

4/29/21 During bankruptcy
Ex. 581 Eq. 596 TU. 584
Message 1 of 6
5 REPLIES 5
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Venture One pre-qualified offer

The "we also suggest" are not pre-approvals. They will specifically state what cards you're pre-approved for




Message 2 of 6
1prettyorchid
Established Member

Re: Venture One pre-qualified offer

Whew..good to know. So technically only the QS1 shows as an offer. 

4/29/21 During bankruptcy
Ex. 581 Eq. 596 TU. 584
Message 3 of 6
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Venture One pre-qualified offer


@1prettyorchid wrote:

Whew..good to know. So technically only the QS1 shows as an offer. 


Technically, but depending on what level qs1 you qualify for, you should also qualify for a v1.




Message 4 of 6
Horseshoez
Established Contributor

Re: Venture One pre-qualified offer


@1prettyorchid wrote:

Whew..good to know. So technically only the QS1 shows as an offer. 


Correct, and that may change once you have your discharge in place.  The standard advice here is to wait at least 6-weeks after your discharge to make sure all of the credit bureaus show you as being discharged before applying for any credit.

I categorically refuse to do AZEO!

Message 5 of 6
8in2years
Regular Contributor

Re: Venture One pre-qualified offer

Try applying to (1)opensky (no hp), (2) An Academy Bank Credit Builder Secured Visa® Credit Card (https://www.academybank.com/personal/credit-cards/credit-builder ) (this specific product does not require a hp, but not sure if membership is required to apply for this credit builder card , (3) a secure loan also known as savings-secured loan (24-36 month term) from penfed or any other local credit union offer this product and (4) self secured credit card https://www.self.inc/visa-secured-credit-card (no hp). Also look into to SDFCU https://www.sdfcu.org/ (secured  card), which does not require a hard pull. There is a hard pull for joining SDFCU as a member. 

Message 6 of 6
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