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How Many Venture Denials?

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chalupaman
Super Contributor

Re: How Many Venture Denials?


@Anonymous wrote:

@chalupaman wrote:

@taxi818 wrote:

@CreditCuriousity wrote:

@MaisCher wrote:

@CreditCuriousity wrote:

Several I have seen maybe 5 off hand that I can think of, although I am sure there are alot more that people never posted about either.


Yeah, I've seen maybe 4 but I was just thinking there have to be way more people getting denied. I think this may have just been the right people applying for the right card more than anything.

 

Don't think I'm gonna bite. I have a bad feeling LOL


If you wan't it still say a year from now it will still be there... people just wanted it for the bigger CL's that have borderline sup/prime credit...  It by far isn't the best rewards card by any means... PC'ing it to the QS is an option though after 6 months?  


well I agree on this. for higher limits. but honestly. i would take a credit one for a 20k limit. Smiley Very Happy


I'd never take a Credit One even if they offered $50k on it. It's still a gross pig I would never touch and recently my mom got one of those $300 Credit One cards and I tried to tell her how crappy the card is. My sister got it for her basically. 


@popa,

 

They should be listening to you if they see how far you have come.


If there were any good cards that used joint applications, I would have gladly gotten her one of those. She's already an AU on my AARP and has some derogs on her report and has dabbled with First Premier crap in the past. Those accounts went into collections for her. Without this website, I doubt I would have made it this far with my credit building journey.

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 61 of 74
Anonymous
Not applicable

Re: How Many Venture Denials?


@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

@taxi818 wrote:

@CreditCuriousity wrote:

@MaisCher wrote:

@CreditCuriousity wrote:

Several I have seen maybe 5 off hand that I can think of, although I am sure there are alot more that people never posted about either.


Yeah, I've seen maybe 4 but I was just thinking there have to be way more people getting denied. I think this may have just been the right people applying for the right card more than anything.

 

Don't think I'm gonna bite. I have a bad feeling LOL


If you wan't it still say a year from now it will still be there... people just wanted it for the bigger CL's that have borderline sup/prime credit...  It by far isn't the best rewards card by any means... PC'ing it to the QS is an option though after 6 months?  


well I agree on this. for higher limits. but honestly. i would take a credit one for a 20k limit. Smiley Very Happy


I'd never take a Credit One even if they offered $50k on it. It's still a gross pig I would never touch and recently my mom got one of those $300 Credit One cards and I tried to tell her how crappy the card is. My sister got it for her basically. 


@popa,

 

They should be listening to you if they see how far you have come.


If there were any good cards that used joint applications, I would have gladly gotten her one of those. She's already an AU on my AARP and has some derogs on her report and has dabbled with First Premier crap in the past. Those accounts went into collections for her.


What about Discover(y).. I thought they offered joint apps?

Message 62 of 74
chalupaman
Super Contributor

Re: How Many Venture Denials?


@Anonymous wrote:

@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

@taxi818 wrote:

@CreditCuriousity wrote:

@MaisCher wrote:

@CreditCuriousity wrote:

Several I have seen maybe 5 off hand that I can think of, although I am sure there are alot more that people never posted about either.


Yeah, I've seen maybe 4 but I was just thinking there have to be way more people getting denied. I think this may have just been the right people applying for the right card more than anything.

 

Don't think I'm gonna bite. I have a bad feeling LOL


If you wan't it still say a year from now it will still be there... people just wanted it for the bigger CL's that have borderline sup/prime credit...  It by far isn't the best rewards card by any means... PC'ing it to the QS is an option though after 6 months?  


well I agree on this. for higher limits. but honestly. i would take a credit one for a 20k limit. Smiley Very Happy


I'd never take a Credit One even if they offered $50k on it. It's still a gross pig I would never touch and recently my mom got one of those $300 Credit One cards and I tried to tell her how crappy the card is. My sister got it for her basically. 


@popa,

 

They should be listening to you if they see how far you have come.


If there were any good cards that used joint applications, I would have gladly gotten her one of those. She's already an AU on my AARP and has some derogs on her report and has dabbled with First Premier crap in the past. Those accounts went into collections for her.


What about Discover(y).. I thought they offered joint apps?


Maybe but they'll only let me have one Discover card so that would be out of the question. My mom particularly wanted a Visa or MC.

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 63 of 74
Anonymous
Not applicable

Re: How Many Venture Denials?

There joint apps typically have low limits as well
Message 64 of 74
chalupaman
Super Contributor

Re: How Many Venture Denials?

On the flipside, I got my dad a secured Discover card and he had several derogs on his report. Maybe it would work for my mom too so she can ditch the Credit One card.

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 65 of 74
Anonymous
Not applicable

Re: How Many Venture Denials?


@chalupaman wrote:

On the flipside, I got my dad a secured Discover card and he had several derogs on his report. Maybe it would work for my mom too so she can ditch the Credit One card.


@popa...

 

Oh.. Ok.

Message 66 of 74
chalupaman
Super Contributor

Re: How Many Venture Denials?


@Anonymous wrote:

@chalupaman wrote:

On the flipside, I got my dad a secured Discover card and he had several derogs on his report. Maybe it would work for my mom too so she can ditch the Credit One card.


@popa...

 

Oh.. Ok.


Yeah the kinds of derogs she has are mainly medical collections, a collection from Progressive and one for DirecTV and the old closed First Premier cards.

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 67 of 74
Anonymous
Not applicable

Re: How Many Venture Denials?

Yuck. CruddyOne
Message 68 of 74
taxi818
Super Contributor

Re: How Many Venture Denials?


@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

@taxi818 wrote:

@CreditCuriousity wrote:

@MaisCher wrote:

@CreditCuriousity wrote:

Several I have seen maybe 5 off hand that I can think of, although I am sure there are alot more that people never posted about either.


Yeah, I've seen maybe 4 but I was just thinking there have to be way more people getting denied. I think this may have just been the right people applying for the right card more than anything.

 

Don't think I'm gonna bite. I have a bad feeling LOL


If you wan't it still say a year from now it will still be there... people just wanted it for the bigger CL's that have borderline sup/prime credit...  It by far isn't the best rewards card by any means... PC'ing it to the QS is an option though after 6 months?  


well I agree on this. for higher limits. but honestly. i would take a credit one for a 20k limit. Smiley Very Happy


I'd never take a Credit One even if they offered $50k on it. It's still a gross pig I would never touch and recently my mom got one of those $300 Credit One cards and I tried to tell her how crappy the card is. My sister got it for her basically. 


@popa,

 

They should be listening to you if they see how far you have come.


If there were any good cards that used joint applications, I would have gladly gotten her one of those. She's already an AU on my AARP and has some derogs on her report and has dabbled with First Premier crap in the past. Those accounts went into collections for her.


What about Discover(y).. I thought they offered joint apps?


Maybe but they'll only let me have one Discover card so that would be out of the question. My mom particularly wanted a Visa or MC.


you have to forgive people that get credit one. i have seen it time and time again. where most think it is capital one. not credit one. as they make the card to look as close to capital one as possible. so maybe your sister thought that is what it was. and also this is why i think cap one gets a bad rap sometimes. but i can see when they start to drop 10-20k on starting limits. they become better than sliced bread. Smiley Very Happy

Message 69 of 74
Anonymous
Not applicable

Re: How Many Venture Denials?

In this day and age, people should know better.
Message 70 of 74
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