Is It Possible for Me to Get C1 Venture?

LandonM · ‎12-31-2024

I, M18, have been looking into travel credit cards for the past couple of months because I am going on an expensive trip in May 2025, and it would help greatly to have a SUB to help pay for some of the costs. I have been looking into the Capital One Venture Rewards or Venture X because my only credit card is the Savor for Students (originally SavorOne), which I got in May 2024, so having a Venture would make it easy to transfer my cashback into miles + the other benefits (SUB, Global Entry, and 2x miles per dollar). The problem is I'm not sure if I would be approved for either one of them (currently neither is pre-approved: Only pre-approved for VentureOne for Good Credit, I don't want it because there's no benefits, and Venture X pre-approved denied due to short history). My plan is to book my transatlantic cruise and flights in mid-to-late February, so I would want to apply by late January. Do you guys think I have a chance Venture X or even the Venture? I was approved for the AMEX Delta Skymiles Gold card, so I will reapply and accept that card if there's no hope for a C1 card.

My status currently:

- 1 Credit Card (Savor for Students with $1,800 limit which I have had since May 2024, 7 months)

- 1 Hard Pull

- FICO Scores (Equifax is 707; Experian is 710)

- Annual Income: ~$20,000

- Rent: $0

youngandcreditwrthy · ‎01-01-2025

yes possible. in fact, go check their "offers and upgrades" section. there's prob an offer to convert or PC(product change the card) there. :-) no hard pull. but also no sub.

LandonM · ‎01-01-2025

I just went and checked it out. It offered me the Venture One for Good Credt, Savor for Good Credit, and Quicksilver for Good Credit. Nothing really worth it to me, but thank you for the advice.

Patient957 · ‎01-01-2025

@LandonM wrote:
I just went and checked it out. It offered me the Venture One for Good Credt, Savor for Good Credit, and Quicksilver for Good Credit. Nothing really worth it to me, but thank you for the advice.

It's worth noting that the Venture One gives you the ability to combine points from your Savor and transfer out to travel partners with no AF. The V1/Savor is actually a nice no AF duo.

GZG · ‎01-01-2025

yeah if the pre-approval tool is telling you no, it's a no. if you apply you will just be denied

nor will Cap1 product change your Savor into a Venture ($3-5k min limit) or a Venture X ($10k min limit)

you have a much better chance working towards a CSP or just waiting

Starting FICO 8:

Current FICO 8:

0/6, 2/12, 7/24

NoMoreE46 · ‎01-01-2025

Welcome to the forums @LandonM. Thanks for your DP.

Capital one usually hard pulls the 3 major CRAs so you may want to recheck this.

For the VenX, no. You might on the Venture.

If you really want one of these cards/SUB, would a parent be willing to apply and add you as an AU?

@LandonM wrote:
I, M18, have been looking into travel credit cards for the past couple of months because I am going on an expensive trip in May 2025, and it would help greatly to have a SUB to help pay for some of the costs. I have been looking into the Capital One Venture Rewards or Venture X because my only credit card is the Savor for Students (originally SavorOne), which I got in May 2024, so having a Venture would make it easy to transfer my cashback into miles + the other benefits (SUB, Global Entry, and 2x miles per dollar). The problem is I'm not sure if I would be approved for either one of them (currently neither is pre-approved: Only pre-approved for VentureOne for Good Credit, I don't want it because there's no benefits, and Venture X pre-approved denied due to short history). My plan is to book my transatlantic cruise and flights in mid-to-late February, so I would want to apply by late January. Do you guys think I have a chance Venture X or even the Venture? I was approved for the AMEX Delta Skymiles Gold card, so I will reapply and accept that card if there's no hope for a C1 card.

My status currently:
- 1 Credit Card (Savor for Students with $1,800 limit which I have had since May 2024, 7 months)
- 1 Hard Pull
- FICO Scores (Equifax is 707; Experian is 710)
- Annual Income: ~$20,000
- Rent: $0

LandonM · ‎01-01-2025

I'm not sure if I have three hard pulls or just one. Experian and Equifax say I have one. Using Creditwise, I have one from Transunion. Does this mean there's one from each bureau or only one on my entire credit report? I know I can get my entire credit report for free once a year, but I have not requested it because I'm not sure if there will be a time in the coming months that I would need it more.

As for being an AU, it's a no. I asked my mom, and even though she was pre-approved for the Venture X, she declined.

I have read how C1 loves customers who are loyal to them and don't have many lines of credit, so I wanted to stick to C1 until I get a Venture or Venture X, but I was approved for the AMEX Delta Skymiles Gold & Platinum cards, so I will probably go with the Platinum one. I found an offer on Delta's website for 90,000 miles instead of the typical 60,000, so I will probably accept it because I like Delta and the benefits are pretty good (Global Entry, Complimentary Upgrade List, Free Checked Bag, Priority Boarding, 15% flights with miles, and 1-3x miles based on category), and I don't want to risk getting declined with three hard pulls through C1.

If you have an advice for me, please let me know! I'm trying to plan this all out to go as smoothly as possible.

Patient957 · ‎01-01-2025

@LandonM wrote:
I'm not sure if I have three hard pulls or just one. Experian and Equifax say I have one. Using Creditwise, I have one from Transunion. Does this mean there's one from each bureau or only one on my entire credit report? I know I can get my entire credit report for free once a year, but I have not requested it because I'm not sure if there will be a time in the coming months that I would need it more.

https://www.annualcreditreport.com/ provides a free report for each bureau once per week now, not once per year. So go ahead.

Both Experian and TU provide a free updated report daily. You can access this by creating a free account directly with each of them.

Sounds like you have one HP on each, not three.

NoMoreE46 · ‎01-01-2025

This might be semantics.

For this forum, a HP is counted per each CRA. So a HP from each of them: (EQ, EX and TU) = 3 HP. C1 is known for pulling all three.

There can be instances where there is more than 1 HP from the Same CRA.

This unusual and typically done so if the applicant requests a recon or asks for a CLI right away.

@Patient957 wrote:
@LandonM wrote:
I'm not sure if I have three hard pulls or just one. Experian and Equifax say I have one. Using Creditwise, I have one from Transunion. Does this mean there's one from each bureau or only one on my entire credit report? I know I can get my entire credit report for free once a year, but I have not requested it because I'm not sure if there will be a time in the coming months that I would need it more.

https://www.annualcreditreport.com/ provides a free report for each bureau once per week now, not once per year. So go ahead.

Both Experian and TU provide a free updated report daily. You can access this by creating a free account directly with each of them.

Sounds like you have one HP on each, not three.

Patient957 · ‎01-01-2025

@NoMoreE46 wrote:
This might be semantics.
For this forum, a HP is counted per each CRA. So a HP from each of them: (EQ, EX and TU) = 3 HP. C1 is known for pulling all three.

For the purposes of a new credit application, one hard pull on each report is one hard pull, i.e. 1/24 inquiries, not 3/24 inquiries.

Edit to add: At least that's how I think of it. Maybe others see it differently. It's more than semantics, since it has practical implications in cases where an issuer pulls more than one bureau. I suppose this is veering off topic, though.