How come Cap1 denied my app for Venture?

[Loquat]

That could very well be...I never app'd for the Venture...didn't want the annual fee and I already had 2 QS's...

[masscredit]

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@Legions36 wrote:

Actually I made a mistake on the title of this thread. I just realized that I applied for "Venture One" which seems to be a difference of approvals and denials when I looked up old threads.

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So which one is harder to get? I think it's the Venture with a $59 AF and better rewards structure. Cap 1 lists excellent credit as -

Do BOTH of these describe you?

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.

- AND -
I have had a loan or credit card for 3 years or more with a credit limit above $5,000.

I've defaulted on loans (mortgages) and had a BK (2009) but I have cards that they say require excellent credit. I'm not complaining about that. Just hard to figure out.

[bodyboy1]

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@Legions36 wrote:

Actually I made a mistake on the title of this thread. I just realized that I applied for "Venture One" which seems to be a difference of approvals and denials when I looked up old threads.

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> then >   that just Makes it Worst!   because Venture is higher than Venture One..  But listen..   it's Not You!   & Capital One is just being Tempermental with you...   & just so you know..   it Makes me laugh when people ask   oh who do they pull?   & Can you telll me which Credit Report they pull>?   & they pull something else   (someone ask's who..   i say   trans union)  & they pull  experian!  oh well to Bad!     When a lender pulls all 3 they get the Whole picture of you, very smart.   people will apply to a bank with the hopes of them pulling only 1 lender..  No.    things are changing,  Capital one is not the 1st to do it..   they do it all the time,  Capital one is not a crap bank  they are very strange,   but Once you have your foot in the door  (You Do!)   don't push,   be   easy...  be patient   & and as for the Annual fee  everyone is diff:   i'll pay the fee! to have a Venture   i'll pay $395 for the Black card  You are diff: than everyone else   & when you listen to people   & they put so much stuff in your head!   Capital one is giving you a hard time rite now!.. you have plenty of cards to use...   Use the Capital one card..  put spend on it!  & pay!  watch what happens   keep using & paying & checking the pre-Qualifier..  When it comes up Apply!   You have to check every day!   Make it a game!

[bodyboy1]

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@masscredit wrote:

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@Legions36 wrote:

Actually I made a mistake on the title of this thread. I just realized that I applied for "Venture One" which seems to be a difference of approvals and denials when I looked up old threads.

---

So which one is harder to get? I think it's the Venture with a $59 AF and better rewards structure. Cap 1 lists excellent credit as -

Do BOTH of these describe you?

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.

- AND -
I have had a loan or credit card for 3 years or more with a credit limit above $5,000.

I've defaulted on loans (mortgages) and had a BK (2009) but I have cards that they say require excellent credit. I'm not complaining about that. Just hard to figure out.

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>   hello..  i have to comment>  i had a BK 2010 if u went to go get a MTG today..   & i was looking at What i see ( What U Showed) i would take your Middle Score  even though it's lower  i would still jump to 720 & say you have excellent credit   & grant you $300k to buy that house,   LOL    Venture is harder to get,  keep up the good Work  & always check that prequalifier  & always check the (excellent) box!   Have high expectations!

[Loquat]

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@masscredit wrote:

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@Legions36 wrote:

Actually I made a mistake on the title of this thread. I just realized that I applied for "Venture One" which seems to be a difference of approvals and denials when I looked up old threads.

---

So which one is harder to get? I think it's the Venture with a $59 AF and better rewards structure. Cap 1 lists excellent credit as -

Do BOTH of these describe you?

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.

- AND -
I have had a loan or credit card for 3 years or more with a credit limit above $5,000.

I've defaulted on loans (mortgages) and had a BK (2009) but I have cards that they say require excellent credit. I'm not complaining about that. Just hard to figure out.

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My thoughts exactly.  My Ch. 13 is post 2.5 years and I've got a QS Visa and (2) VentureOne cards and they both say that they require excellent credit.  And I've had all of them for a little while now and my Ch.13 was (and still is according to some lenders) fresh.  I never got the prequal to pop for the VentureOne cards or the QS Visa...it would only show me the QS1...I just took a chance on apping for the V1's and it worked.  Now I will say that I did have my QS1 and PlayStation Visa for almost a year before I app'd for the others.

[masscredit]

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@bodyboy1 wrote:

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@masscredit wrote:

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@Legions36 wrote:

Actually I made a mistake on the title of this thread. I just realized that I applied for "Venture One" which seems to be a difference of approvals and denials when I looked up old threads.

---

So which one is harder to get? I think it's the Venture with a $59 AF and better rewards structure. Cap 1 lists excellent credit as -

Do BOTH of these describe you?

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.

- AND -
I have had a loan or credit card for 3 years or more with a credit limit above $5,000.

I've defaulted on loans (mortgages) and had a BK (2009) but I have cards that they say require excellent credit. I'm not complaining about that. Just hard to figure out.

---

>   hello..  i have to comment>  i had a BK 2010 if u went to go get a MTG today..   & i was looking at What i see ( What U Showed) i would take your Middle Score  even though it's lower  i would still jump to 720 & say you have excellent credit   & grant you $300k to buy that house,   LOL    Venture is harder to get,  keep up the good Work  & always check that prequalifier  & always check the (excellent) box!   Have high expectations!

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I did that after reading this thread last night. It said I could get either one. Temping. Not that I need it but the rewards would be nice. I'd hope for at starting CL of $10K plus if I go for it. Still trying to get the combination link to work so I can roll my Venure One limit into my QS.

[bodyboy1]

so you're pre qualified for the venture and venture one and you did not app for lt!? And when you try to combine the existing accounts you have it won't go through?

[bodyboy1]

Ok let me say this, you know that one of the accounts has to be 0, you also know both accounts have to be over 6 months old.. it will go, it just takes time. However the pre qualified, doesn't always come around, you know what I'm saying

[Imperfectfuture]

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@Anonymous wrote:

Cap One "Excellent Credit" is defined on the web site

• have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.
  
  
  
  - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

So not a very high barrier (e.g. you can have 30 day lates this year, or older 60+ lates)

I would wonder if the last reason isn't key, they are saying you appear to already have enough credit.

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Cap One is tightening up again.

[Imperfectfuture]

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@masscredit wrote:

The # is 1 (800) 955-1455. You probably won't get though. Most likely will have to e-mail them then wait for a call. They are usually pretty quick. Within a couple of days.

Good luck! 

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This number no longer works, only goes to customer service.  You need a pin.  I have one, but I will not be calling until it's crunch time (April).