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Chase CSP or Cap1 Venture

Mdowning30
Frequent Contributor

Chase CSP or Cap1 Venture

Ive been getting targeted ads for the Venture also email offers for the Venture, but nothing for the CSP. If im on the radar for the Venture card would that mean fair game for the CSP ?

 

Chase Freedom Unlimited (1/2022): $1500 | Discover It Chrome (5/2022): $2000 | AmEx Charles Schwab Investor Card (5/2022): $6000 | Chase Sapphire Preferred (6/2022): $5000 | Chase Amazon Prime Rewards (7/2022): $500
Total Credit Limit : $15000
As of 4/2022: Experian FICO 8 : 659 | Experian Vantage : 677 | Equifax FICO 8 : 622 | MyEquifax : 630 | TransUnion FICO 8 : 629 | TransUnion Vantage : 677
Starting Score: 512
Current Score: 659
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 1 of 18
17 REPLIES 17
GatorGuy
Established Contributor

Re: Chase CSP or Cap1 Venture

Chase and Capital One are two very different institutions. So to answer your question, no just because you might qualify for a Venture has no bearing in your chances for the CSP. You can login into your Chase and account and look under the menu for the option "Just For Me". These are preapproved offers for you. Looking at your current cards listed in your signature, your credit limits may be on the low end for a CSP approval.

Message 2 of 18
PNWRambler
Regular Contributor

Re: Chase CSP or Cap1 Venture

As far as your credit score and report, they're similar in what they require as a baseline, but there's other factors to consider.  The companies have different rules and restrictions that may still affect your ability to apply for one or the other, for instance Chase's 5/24 rule.  

Message 3 of 18
Mdowning30
Frequent Contributor

Re: Chase CSP or Cap1 Venture

I'm currently at 4/24, I have a banking relationship with Chase and a car loan through Capital One. That's why I'm caught in between them.

Chase Freedom Unlimited (1/2022): $1500 | Discover It Chrome (5/2022): $2000 | AmEx Charles Schwab Investor Card (5/2022): $6000 | Chase Sapphire Preferred (6/2022): $5000 | Chase Amazon Prime Rewards (7/2022): $500
Total Credit Limit : $15000
As of 4/2022: Experian FICO 8 : 659 | Experian Vantage : 677 | Equifax FICO 8 : 622 | MyEquifax : 630 | TransUnion FICO 8 : 629 | TransUnion Vantage : 677
Starting Score: 512
Current Score: 659
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 4 of 18
NalekSok
Regular Contributor

Re: Chase CSP or Cap1 Venture

As you're already at 4/24, like mentioned previously, double check to see if Chase shows you the CSP in the "Just for Me".

 

Keep in mind that with the CSP you would be able to transfer your points earned with your Freedom Unlimited and have a nice little setup for only $95 of AF. Might be worth waiting a couple more months for Chase to show you the CSP pre-approval.






Message 5 of 18
calisig
Regular Contributor

Re: Chase CSP or Cap1 Venture

@Mdowning30  - As @GatorGuy pointed out, they are both different institutions. Others think this too. For example, Adam at Proudmoney.com did a video in 2020 where he listed what he thought were the 16 easiest to hardest credit card lenders to get approved from, and he ranked CapitalOne as one of the easiest at 12th place, and Chase as 5th hardest. If that is true, and taking your current signature stats into consideration, you may have better luck right now with the Venture ... good luck

1Aug22 Exp F8: 802
Message 6 of 18
Mdowning30
Frequent Contributor

Re: Chase CSP or Cap1 Venture

I dont have any pre approvals for the CSP, although i did before i applied for my CFU. I've seen "very good" approval odds for the Venture on Credit Karma. I know thats not saying much but its something to go off of. Im in no rush i know the 80K bonus is about to end for the CSP, i believe the 100K will come back. 

Chase Freedom Unlimited (1/2022): $1500 | Discover It Chrome (5/2022): $2000 | AmEx Charles Schwab Investor Card (5/2022): $6000 | Chase Sapphire Preferred (6/2022): $5000 | Chase Amazon Prime Rewards (7/2022): $500
Total Credit Limit : $15000
As of 4/2022: Experian FICO 8 : 659 | Experian Vantage : 677 | Equifax FICO 8 : 622 | MyEquifax : 630 | TransUnion FICO 8 : 629 | TransUnion Vantage : 677
Starting Score: 512
Current Score: 659
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 7 of 18
bigseegar
Established Contributor

Re: Chase CSP or Cap1 Venture


@Mdowning30 wrote:

I dont have any pre approvals for the CSP, although i did before i applied for my CFU. I've seen "very good" approval odds for the Venture on Credit Karma. I know thats not saying much but its something to go off of. Im in no rush i know the 80K bonus is about to end for the CSP, i believe the 100K will come back. 


 1. Actually that's (CK) not saying much at all. CK gets PAID to push those cards so if you're breathing they'll tell you you have Good-Excellent chances when in fact they have no idea at all if you'll be approved or not.

2. Leave Credit Karma alone. With the exception of it giving you access as a SP to your TU and EQ reports, there's nothing else good about them really in the Rebuild/Build process other than giving you a HUGE ballpark score that could be off as much as 50 points in either direction.

3. Leave Credit Karma alone...lol

 

Hands down I'd consider Chase the much better option for a card.  BUT I think once they see your recent approvals you'll be hard pressed to get an approval from them right now as they'll see you as credit seeking. That's probably why you didn't get a Pre-Approval offer. I know you go against our advice lol but Garden for 6 months and let the new accts age a bit and get some use and PIF history on them. Then reconsider applying.

Message 8 of 18
Mdowning30
Frequent Contributor

Re: Chase CSP or Cap1 Venture

Like i said im not in a rush, although i do plan on traveling in the next 2 months. As you can see you were telling me that i shouldnt apply for anything and i didnt have a good chance of approvals for the cards i was seeking, yet I got 2 instant approvals with $8000 in extra credit. Im grateful for what i have and happy that went against the grain. I absorb everyones advice.

Chase Freedom Unlimited (1/2022): $1500 | Discover It Chrome (5/2022): $2000 | AmEx Charles Schwab Investor Card (5/2022): $6000 | Chase Sapphire Preferred (6/2022): $5000 | Chase Amazon Prime Rewards (7/2022): $500
Total Credit Limit : $15000
As of 4/2022: Experian FICO 8 : 659 | Experian Vantage : 677 | Equifax FICO 8 : 622 | MyEquifax : 630 | TransUnion FICO 8 : 629 | TransUnion Vantage : 677
Starting Score: 512
Current Score: 659
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 9 of 18
Mdowning30
Frequent Contributor

Re: Chase CSP or Cap1 Venture

Who else just seen Proudmoney's video today about this topic 😄

Chase Freedom Unlimited (1/2022): $1500 | Discover It Chrome (5/2022): $2000 | AmEx Charles Schwab Investor Card (5/2022): $6000 | Chase Sapphire Preferred (6/2022): $5000 | Chase Amazon Prime Rewards (7/2022): $500
Total Credit Limit : $15000
As of 4/2022: Experian FICO 8 : 659 | Experian Vantage : 677 | Equifax FICO 8 : 622 | MyEquifax : 630 | TransUnion FICO 8 : 629 | TransUnion Vantage : 677
Starting Score: 512
Current Score: 659
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 10 of 18
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