Venture or Venture One?

[Anonymous]

Which one to apply for with about 715-718 FICO?

No baddies

AAoA 1.7 years

[Anonymous]

also, the pre-qual site doesn't work for me because I have opted out of prescreen offers, so that won't be of any help to try it.. Just fyi, thanks

[Anonymous]

Venture hands down.  Why not have at it and get both minutes apart all on the same pull?  But if the decision is just 1 card, Venture takes the cake.

[Anonymous]

Venture definitely !!!! Higher CL and 2x points. It's basically a no brainer. I had no prequalified offers on ANY lenders websites and I got Cap One QS (5K CL) and Venture (20K CL). With your scores, as long as you haven't burned Cap One recently, you'll be approved for Venture.
You could try for 2 card's, but be prepared for 6 HP's, 2 across the board for every CA.

[Anonymous]

Venture!

[Anonymous]

Have quite a few cards and never had one fo them ask me for income verification. Income over 100k combined in household. I started a new job recently, so not sure what they would want. Husband is not going to want to verify his info as he has many other very high limit cards and would probably be (rightfully so) annoyed at a card he is not part of asking about his income. Does Venture often ask for this?

[Anonymous]

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@Anonymous wrote:

Have quite a few cards and never had one fo them ask me for income verification. Income over 100k combined in household. I started a new job recently, so not sure what they would want. Husband is not going to want to verify his info as he has many other very high limit cards and would probably be (rightfully so) annoyed at a card he is not part of asking about his income. Does Venture often ask for this?

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Rarely.. If you really want it, go for it.

[Anonymous]

Cap One never asked me. I've put down 125K, which any Creditor can confirm thru "the work number". But I haven't had any lender request proof, other than SDFCU, who did request my last two pay stubs. You'll be just fine. Go for it.

[Anonymous]

Venture! 

Just got mine ! With only 1.2years of credit history having only one card 

got 5k limit less than I hoped for but will do for now hopefully get an increase later on 

[Coolermaster007]

V1 worked better for me $15k right of the back solid bonus offer easy to meet & 0% Apr for a year just in case i need it which the other one doesn't have and no annual fee if that matters to you even if u could pc later on or not