Capital One Venture Question

Anonymous · ‎03-03-2015

I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

dobirdsmommy · ‎03-03-2015

@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays

Anonymous · ‎03-03-2015

@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night

LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.

dobirdsmommy · ‎03-03-2015

@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.

They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays

Anonymous · ‎03-03-2015

@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.
They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k

I have a$1600 unpaid Fed Tax Lien that's 7 years old.

dobirdsmommy · ‎03-03-2015

@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.
They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k
I have a$1600 unpaid Fed Tax Lien that's 7 years old.

Check your PM but I laughed at that amount!

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays

Anonymous · ‎03-03-2015

@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
@dobirdsmommy wrote:
@Anonymous wrote:
I poured over all the stats last night on the forum about this card. It seems that all the people that said "yes" they were preapproved received a stated APR of 16.9% and a CL of at least $10,000. It showed various income and credit scores.

So, given that information, I am also Pre-Approved for Venture with stated APR of 16.9%. I want to apply, but I'm wondering if I should wait until my Amex shows the new CL, which is now $9000 and is my highest credit line, or if it would make any difference? My TU and EQ Fako scores shot up +15 and +16 points today and my EX Fako is up as well. Yes, I KNOW, those don't count. I just use them as a guide only.

Just do it! Come on you saw what I got last night
LOL, I was just reading over yours! Seems you noticed the same things I did. Regarding what you received, you have higher CL's than I do though.
They are all newly approved. And honestly I have 2 MAJOR BAD DINGS on my CB's. Like big no-nos and I still got 15k
I have a$1600 unpaid Fed Tax Lien that's 7 years old.
Check your PM but I laughed at that amount!

LOL!

Anonymous · ‎03-03-2015

Apply right now if it's the card you want! You are approved and I doubt a minor change, especially a new account will help you at all.

Anonymous · ‎03-03-2015

shoot for it. why wait till it shows.

bengalikejenga · ‎03-03-2015

i think you have a great shot at getting a great CL... i was approved to $10k and my second highest CL was $3K at approval.... plus my Ex and EQ scores were from 630-670. with baddies on my Ex.