Looking for 2nd Card. CSP/Venture chances??

[Discover2016]

Did you apply?

[Anonymous]

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@Discover2016 wrote:

Did you apply?

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Not yet.
I think I'm going to wait a few weeks for my current billing period to end with my newly raised credit limit to see what happens to my credit score and most likely apply then.  

[Anonymous]

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@Anonymous wrote:

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@Discover2016 wrote:

Did you apply?

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Not yet.
I think I'm going to wait a few weeks for my current billing period to end with my newly raised credit limit to see what happens to my credit score and most likely apply then.  

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This is a good plan. I'm curious, though. You have nothing in your report besides the Discover? No loans? No closed accounts? Nothing?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Discover2016 wrote:

Did you apply?

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Not yet.
I think I'm going to wait a few weeks for my current billing period to end with my newly raised credit limit to see what happens to my credit score and most likely apply then.  

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This is a good plan. I'm curious, though. You have nothing in your report besides the Discover? No loans? No closed accounts? Nothing?

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Nothing else.

[Blodreina]

Sounds like you might benefit from changing your It to the It Chrome, if you spend mostly on restaurants/food.  It's 2% on restaurants/gas (1% on everything else).

[jawbrkr]

I got my CSP with only 5 months of history. Thin and clean file too. I had it pop up on the prequal site.

[Anonymous]

If anyone wanted an update, I ended up applying for the CSP last Monday and got the 7-10 days notice. I called today and found out I was declined, asked for a manual review and told them that my Discover limit was actually 5,000 (when they pulled it it was still listed as 2k). After being put on hold, he told me I was still declined due to lack of credit history.

Dejected, I decided I would apply for an easier card, so I applied for the capital one quicksilver and was instantly approved for 3k limit. I noticed that the quicksilver was listed by capital one as card that required "Excellent Credit," which is the same as the Venture. I figured I would be gardening for a while anyway, so might as well apply for the Venture too. To my surprise, I got an instant approval for that too, 5k!!! 

Pretty happy. BTW my scores (before having the 5k discover limit being added) were EXP: 769 TU: 746 and EQ: 768. Chase pulled the EQ only. 

[OmarGB9]

Grats! Sorry about the CSP denial. You'll get it eventually I'm sure. BTW also brace yourself for a potential double triple pull (so 6 pulls total) from cap 1 as a worse case scenario. Best case would be one set of triple pulls.

[Anonymous]

CONGRATS! Very awesome getting the Venture as they say you need at least 3 years history! this gives me hope Also thanks for taking one for the team on that CSP app kidding! but i too have a thin file with less than 1 year CC history, high 700s Fico i was on the fence about applying... 

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@Anonymous wrote:

If anyone wanted an update, I ended up applying for the CSP last Monday and got the 7-10 days notice. I called today and found out I was declined, asked for a manual review and told them that my Discover limit was actually 5,000 (when they pulled it it was still listed as 2k). After being put on hold, he told me I was still declined due to lack of credit history.

Dejected, I decided I would apply for an easier card, so I applied for the capital one quicksilver and was instantly approved for 3k limit. I noticed that the quicksilver was listed by capital one as card that required "Excellent Credit," which is the same as the Venture. I figured I would be gardening for a while anyway, so might as well apply for the Venture too. To my surprise, I got an instant approval for that too, 5k!!! 

Pretty happy. BTW my scores (before having the 5k discover limit being added) were EXP: 769 TU: 746 and EQ: 768. Chase pulled the EQ only. 

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