Looking to see if you all think I could get approved for a QS or Venture. Not the one with the AF. Scores and Inq’s in my signature are current as of 2-22 and they are honestly probably a couple points higher now but I don't want to guess. Plus:
1 baddie (CO) from 6 years ago but reporting past due every month
Income $63K
Util 9%
TCL 27k (actually 47k but the increases don't show yet)
8 new accounts in the last 2 months
AAoA 4 yrs 3 mos
Mortgage that has lates over 2 years ago
About 5 car loans all paid off except my current one. All of them = Never late.
I have 1 QS1 that just transitioned from Platinum to QS1 3 months ago. $0 of $1750 limit used
I have 1 new QS1 that is about to cut its 5th statement. $1063 of $2150 limit used
I have 1 Spark Classic $0 of $500 limit used
I am not itching to app, I am just curious since the Pre-qualifier shows nothing and hasn’t for a long time. Both my QS's have $3k in payments last month alone. I am more curious as to what might be hurting me the most.
So you think its just the new accounts?
Excellent. Thanks for taking a stab at it. I should note that I have never been denied by them but these cards I want are above my usual level with them. I have not app'd and don't intend too right now. I have my theory as to why they would say no, just wanted to see if I was on the right track.
@Loquat wrote:I could never get CapOne to show a prequal for for the Venture cards...cold app'd for both of my VentureOne cards as well as my Venture. It was risky but it worked out each time. YMMV.
I would do that if I didn't think they would give me a $500 SL. lol On a good note my APR with them is 16% so maybe they would throw me that bone atleast.
@Anonymous wrote:I thought minimum SL for venture was 5k. Why didnt you pc from platnum to QS instead of QS1? My wife just did it after 1 statement. I am considering doing it as well if someone can tell me that CLI is better on a prime card.
I asked, they told me it wasn't available to me.