My mother has a Capital One Venture card and our first goal is that she refers me so she gets her bonus referral.
I would prefer to get the Capital One Venture card but around 6 months ago, I was denied. I'm planning to try again in 5 months.
I will run the tool to see if I'm pre-approved. Right now, I ran the tool to see if I was pre-approved for the Capital One venture, and instead it told me that I was approved for the Capital One VentureOne card.
I checked with Capital One and I was told that my mother would still get the same referral bonus if someone gets the VentureOne with her link.
So in 5 months, if the same thing happens, I'm not preapproved for Venture but I'm preapproved for VentureOne, and let say I want to still try to apply to the Venture card, if I'm denied, could I still apply for the VentureOne using my mother's link and be approved?
Or is it too much of a risk and I should just apply for the VentureOne and not for the Venture?
Like I said, we don't want to miss the referral bonus for my mother.
no, the pre-approval tool is pretty accurate and a referral is not going to change that
if the pre-approval says no venture/venture x, you are not going to be approved, don't waste the HPs
