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Cap 1 Venture question..Is it a full moon?

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Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

I made the mistake of checking to see if I pre-qualify this morning, even though I had decided to wait. Figured it would be better to wait until my scores increase, my AAoA gets a good bump from AMEX backdating, and I get a higher limit on my AMEX and let it report, in hopes of getting the best Venture limit possible.

 

It says I pre-qualify for Quicksilver and also Venture and Platinum Prestige. Quick, someone cut off my internets! I'm not sure my self-control is strong enough right now. Smiley Sad


Let me help. I get the same three approvals, and I have remained strong. You do not NEED the card, you only want the card.

 

 


But I WANT to NEED the card. Hehe.


Do it.. Do it.. Do it... What is the point of working on your credit without enjoying the fruit of your labor?.  The expectation for gardening is to get your crops to grow and you can kick back and enjoy.  Also, having no inquiries on any of your reports - just an assumption is pretty boring. Smiley Tongue if you know what I mean.


Yeah. It was getting boring watching that 0 counter on my TU.

 

Now it says 1. I gotta say...It doesn't feel any different/


@Anonymous,

 

Agreed... I also don't feel the inquiries.  My TU now has 3, EQ 5, EX 11.  Not too worried.  I get the gardening idea but.... If a juicy offer comes out next month, I'd go for it. Also, $400 should compensate for it whilst I get to work on having TU  and EQ inquiries removedSmiley Tongue

Message 161 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

I made the mistake of checking to see if I pre-qualify this morning, even though I had decided to wait. Figured it would be better to wait until my scores increase, my AAoA gets a good bump from AMEX backdating, and I get a higher limit on my AMEX and let it report, in hopes of getting the best Venture limit possible.

 

It says I pre-qualify for Quicksilver and also Venture and Platinum Prestige. Quick, someone cut off my internets! I'm not sure my self-control is strong enough right now. Smiley Sad


Let me help. I get the same three approvals, and I have remained strong. You do not NEED the card, you only want the card.

 

 


But I WANT to NEED the card. Hehe.


Do it.. Do it.. Do it... What is the point of working on your credit without enjoying the fruit of your labor?.  The expectation for gardening is to get your crops to grow and you can kick back and enjoy.  Also, having no inquiries on any of your reports - just an assumption is pretty boring. Smiley Tongue if you know what I mean.


Yeah. It was getting boring watching that 0 counter on my TU.

 

Now it says 1. I gotta say...It doesn't feel any different/


@Anonymous,

 

Agreed... I also don't feel the inquiries.  My TU now has 3, EQ 5, EX 11.  Not too worried.  I get the gardening idea but.... If a juicy offer comes out next month, I'd go for it.


It's so hard to keep my posts company friendly sometimes. Smiley Indifferent

 

It's just a number. An arbitrary marker of fame or shame it seems like. Smiley Tongue

Message 162 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

I made the mistake of checking to see if I pre-qualify this morning, even though I had decided to wait. Figured it would be better to wait until my scores increase, my AAoA gets a good bump from AMEX backdating, and I get a higher limit on my AMEX and let it report, in hopes of getting the best Venture limit possible.

 

It says I pre-qualify for Quicksilver and also Venture and Platinum Prestige. Quick, someone cut off my internets! I'm not sure my self-control is strong enough right now. Smiley Sad


Let me help. I get the same three approvals, and I have remained strong. You do not NEED the card, you only want the card.

 

 


But I WANT to NEED the card. Hehe.


Do it.. Do it.. Do it... What is the point of working on your credit without enjoying the fruit of your labor?.  The expectation for gardening is to get your crops to grow and you can kick back and enjoy.  Also, having no inquiries on any of your reports - just an assumption is pretty boring. Smiley Tongue if you know what I mean.


Yeah. It was getting boring watching that 0 counter on my TU.

 

Now it says 1. I gotta say...It doesn't feel any different/


@Anonymous,

 

Agreed... I also don't feel the inquiries.  My TU now has 3, EQ 5, EX 11.  Not too worried.  I get the gardening idea but.... If a juicy offer comes out next month, I'd go for it.


It's so hard to keep my posts company friendly sometimes. Smiley Indifferent

 

It's just a number. An arbitrary marker of fame or shame it seems like. Smiley Tongue


Agreed..  I have EX locked and once TU and EQ are at the ready.. I'd be apping for the prestige.

Message 163 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

I made the mistake of checking to see if I pre-qualify this morning, even though I had decided to wait. Figured it would be better to wait until my scores increase, my AAoA gets a good bump from AMEX backdating, and I get a higher limit on my AMEX and let it report, in hopes of getting the best Venture limit possible.

 

It says I pre-qualify for Quicksilver and also Venture and Platinum Prestige. Quick, someone cut off my internets! I'm not sure my self-control is strong enough right now. Smiley Sad


Let me help. I get the same three approvals, and I have remained strong. You do not NEED the card, you only want the card.

 

 


But I WANT to NEED the card. Hehe.


Do it.. Do it.. Do it... What is the point of working on your credit without enjoying the fruit of your labor?.  The expectation for gardening is to get your crops to grow and you can kick back and enjoy.  Also, having no inquiries on any of your reports - just an assumption is pretty boring. Smiley Tongue if you know what I mean.


Yeah. It was getting boring watching that 0 counter on my TU.

 

Now it says 1. I gotta say...It doesn't feel any different/


@Anonymous,

 

Agreed... I also don't feel the inquiries.  My TU now has 3, EQ 5, EX 11.  Not too worried.  I get the gardening idea but.... If a juicy offer comes out next month, I'd go for it.


It's so hard to keep my posts company friendly sometimes. Smiley Indifferent

 

It's just a number. An arbitrary marker of fame or shame it seems like. Smiley Tongue


Agreed..  I have EX locked and once TU and EQ are at the ready.. I'd be apping for the prestige.


Smiley Wink

 

Unfortunately for me I'll have to thaw EX for Prestige since Citi insists on EX pull for me. Smiley Indifferent

Message 164 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?

@Nixon,

 

Really.. Ughh, that won't be good.  The result I saw were mixed in the credit pull database.  I never had a major Citi card just a co branded best buy card that they bought from CAP 1.  If they want use EX. for me, I probably will back out until my some of my inquiries fall of.

Message 165 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous,

 

Really.. Ughh, that won't be good.  The result I saw were mixed in the credit pull database.  I never had a major Citi card just a co branded best buy card that they bought from CAP 1.  If they want use EX. for me, I probably will back out until my some of my inquiries fall of.


Yeah..

Well keep it secret (hahah yeah) but the same night I apped for the Venture and got instapproved, I figured i'd try a DoubleCash again. Declined because EX is in storage. 30 days to provide pin or disregard app. They didn't try to pull anything else. I swear, Everyone wants a piece of my EX here in TX. Smiley Indifferent

Message 166 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous,

 

Really.. Ughh, that won't be good.  The result I saw were mixed in the credit pull database.  I never had a major Citi card just a co branded best buy card that they bought from CAP 1.  If they want use EX. for me, I probably will back out until my some of my inquiries fall of.


Yeah..

Well keep it secret (hahah yeah) but the same night I apped for the Venture and got instapproved, I figured i'd try a DoubleCash again. Declined because EX is in storage. 30 days to provide pin or disregard app. They didn't try to pull anything else. I swear, Everyone wants a piece of my EX here in TX. Smiley Indifferent


Smiley Surprised I see they used EX and TU for some people in CT.  They were like only 3 people LOL so not enough data.  I guess I will wait till the inquiries age on EX. Anyhoo, have a chill night.  Going to catch some ZZZs.

Message 167 of 171
Habibimo
Regular Contributor

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous,

 

Really.. Ughh, that won't be good.  The result I saw were mixed in the credit pull database.  I never had a major Citi card just a co branded best buy card that they bought from CAP 1.  If they want use EX. for me, I probably will back out until my some of my inquiries fall of.


Yeah..

Well keep it secret (hahah yeah) but the same night I apped for the Venture and got instapproved, I figured i'd try a DoubleCash again. Declined because EX is in storage. 30 days to provide pin or disregard app. They didn't try to pull anything else. I swear, Everyone wants a piece of my EX here in TX. Smiley Indifferent


@Anonymous is going to be really off topic, BUT, @Anonymous, if you dont mind me asking, what part of TX?

|| Amex BCE $18,000 || QuickSilver WMC $8,500 || Freedom Visa Signature $10,000 || Discover IT $11,800 || BestBuy $2,800 || Venture Visa Signature $17,750 || NASA FCU Platinum Cash Rewards $7,000 || Amazon Store Card $20,000 || Overstock $11,500 || Lowe's $25,000 || NFCU Platinum $9,600 || Chase Marriott $10,000 || Chase FU $15,7000 || NFCU CLOC $15,000 ||
Message 168 of 171
chalupaman
Super Contributor

Re: Cap 1 Venture question..Is it a full moon?


@Anonymous wrote:

@Anonymous wrote:

@Anonymous,

 

Really.. Ughh, that won't be good.  The result I saw were mixed in the credit pull database.  I never had a major Citi card just a co branded best buy card that they bought from CAP 1.  If they want use EX. for me, I probably will back out until my some of my inquiries fall of.


Yeah..

Well keep it secret (hahah yeah) but the same night I apped for the Venture and got instapproved, I figured i'd try a DoubleCash again. Declined because EX is in storage. 30 days to provide pin or disregard app. They didn't try to pull anything else. I swear, Everyone wants a piece of my EX here in TX. Smiley Indifferent


Yeah here in GA, Citi is EX hungry, except for their retail cards, which they use EQ for.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 169 of 171
Anonymous
Not applicable

Re: Cap 1 Venture question..Is it a full moon?


@Habibimo wrote:

@Anonymous wrote:

@Anonymous wrote:

@Anonymous,

 

Really.. Ughh, that won't be good.  The result I saw were mixed in the credit pull database.  I never had a major Citi card just a co branded best buy card that they bought from CAP 1.  If they want use EX. for me, I probably will back out until my some of my inquiries fall of.


Yeah..

Well keep it secret (hahah yeah) but the same night I apped for the Venture and got instapproved, I figured i'd try a DoubleCash again. Declined because EX is in storage. 30 days to provide pin or disregard app. They didn't try to pull anything else. I swear, Everyone wants a piece of my EX here in TX. Smiley Indifferent


@Anonymous is going to be really off topic, BUT, @Anonymous, if you dont mind me asking, what part of TX?


The part next to Oklahoma. Smiley Tongue

Message 170 of 171
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