cancel
Showing results for 
Search instead for 
Did you mean: 

Capital One Continues To Make Me Shake My Head

tag
GZG
Senior Contributor

Re: Capital One Continues To Make Me Shake My Head

@Jordan23ww 

 

try the pre-approval links specifically for savor/savor one/venture, you can find them on the specific card pages themselves, not just the generic pre-approval link

 

they seem to produce better results than the generic one that loves to give the secured card.

 

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

 

and not

 

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

 

100% agree with just putting on P2 and adding yourself though

 

with your venture-x pre-approval denial though, I'm expecting you see this: 

 

image.png

Starting FICO 8:
Current FICO 8:



Message 11 of 16
Jordan23ww
Senior Contributor

Re: Capital One Continues To Make Me Shake My Head


@Zoostation1 wrote:

@Jordan23wwyou might want to also check out this other thread regarding preapproval DPs:

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Venture-X-Preapproval-Data-Points/m-p/6699...

 


@Zoostation1  ok, cool! Thank you for the link! I'll check it out!

         


Message 12 of 16
Jordan23ww
Senior Contributor

Re: Capital One Continues To Make Me Shake My Head


@Meanmchine wrote:

@FireMedic1 wrote:

Sorry for the decline. I just went on the regular pre-approval and got 2 secured versions. LOL!  Smiley Very Happy

cap one.JPG

 


Ditto


@Meanmchine  oh, wow! Sorry to hear this! Thank you for letting us know!

         


Message 13 of 16
Jordan23ww
Senior Contributor

Re: Capital One Continues To Make Me Shake My Head


@GZG wrote:

@Jordan23ww 

 

try the pre-approval links specifically for savor/savor one/venture, you can find them on the specific card pages themselves, not just the generic pre-approval link

 

they seem to produce better results than the generic one that loves to give the secured card.

 

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

 

and not

 

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

 

100% agree with just putting on P2 and adding yourself though

 

with your venture-x pre-approval denial though, I'm expecting you see this: 

 

image.png


@GZG  Thank you for the links, tips and suggestions!  If I end up going for it I will more than likely apply with my wife's approval through her info. She's been with them for 12 years as a primary card holder. I've been with them 12 years also but always as an authorized user. Thank you again for the info!

         


Message 14 of 16
nytokyobred79
Valued Contributor

Re: Capital One Continues To Make Me Shake My Head


@hawkins wrote:

@Jordan23ww wrote:

I have been contemplating adding the Capital One Venture X card.  My wife has a Quicksilver card and when I did the pre-approval form they said that she was pre-approved for the Venture X.  I decided to check my pre-approvals too to see what they said. Now I am already very familiar with Capital One because we have been dealing with them for 12 plus years.  I knew that they were not a fan of people with a lot of open revolving accounts and with me having 27 accounts, I went into the pre-approval anticipating my chances might not be favorable. What I didn't expect though was the card, yes 1 card they said I am eligible for!  

 

They told me I was eligible for the secured Quicksilver card!  With scores in the 700's and 800's, card utilization lower than 1% and 27 cards all reporting on time payments, no late payments and a credit history that extends back 18+ years, that was the only option.  It made me literally shake my head and laugh!   Needless to say I will not be applying for the secured Quicksilver or the Venture X on my profile.  I'm already an authorized user on my wife's Quicksilver card and we've been trying to product change that to a Savor One for 2 years but it hasn't been an option, so I don't need a duplicate of that card.  Not sure yet if I will apply on my wife's behalf. Will need to discuss that with her.  Figured I'd just share this as a data point!  

 

For the pre-approval tool there was an option to get pre-approved for any of the Quicksilver, Savor, and Platinum cards along with the Venture and Venture One cards. That's what I did initially where I received the Quicksilver card offer.  Then I went to the Venture X card and there was an option there to see if you're pre-approved for that card specifically. That's how I got the reason for my denial, which was too many open revolving accounts.  

 

Screenshot 2023-08-31 at 9.36.01 AM.pngScreenshot 2023-08-31 at 9.39.33 AM.png


Dont worry too much they do that **bleep** all the time. Its just Cap 1 being Cap 1. They do like thinner profiles though. My DW got a little over a month or so ago got the Venture card with a starting SL of 10K and I was messing around this morning with the limit increase button and got her a 5k increase! The card is not even 2 months old. I didnt even know they did that. So with them you just never know.


Cap 1 is funny like that bc I was able to get a 1K increase(so request) on my card a month after opening it last June. Not sure what there rhyme or reason is. I barely used the card once then 

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $218,900 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 15 of 16
UncleB
Credit Mentor

Re: Capital One Continues To Make Me Shake My Head


@CreditCuriosity wrote:

That is their way of saying you have too many inquiries/new accounts and thanks but no thanks to you.. go a year without a new card/inquiry and that will likely change


Yep, this has been my experience as well.

 

While I've not tried in a while, I suspect if I were to give the prequal a 'whirl it would similarly offer me nothing but the secured cards as well.  I did notice a couple of years ago when I was strategically gardening for the Chase Freedom Flex that once I was under 5/24 I suddenly had prequal offers with Capital One.  I'm not saying Capital One has a firm 5/24, but their prequal tool seems to have something at least similar.

 

In my case I admit it's rather humbling to have some pretty good cards while at the same time not being able to qualify for a Walmart card, but that's just how it goes sometimes, haha. Smiley Very Happy ¯\_(ツ)_/¯

Message 16 of 16
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.