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Hi all!
I just got approved for a Capital One Venture card with a $5000 CL!
I just started building credit a year ago with a Capital One Platinum secured card on the credit steps program. I paid the minimum secured amount, can't remember exactly and had an initial $200 CL, bumped to $500 after the 5 months or whatever it is. I have never carried a balance and always paid in full, but utilization was reported as high some months.
I also opened a $1000 CL Credit One about 4 months into my credit journey (I moved to the country 3 years ago and didn't bother to start building credit until a year ago). I just closed this card - that felt good!!!
I also have Wells Fargo Cash Wise ($2k CL) and a Blue Cash Everyday Amex ($2k CL).
Today I looked to see if anything had changed with my Capital One pre-quals. I called and asked many times about my Capital One Platinum Secured being upgraded to unsecured, CLIs etc, but no dice. It appears, however, at the year mark that they completely reviewed my account. Upon checking prequalification, every single Capital One CC was available to me! Looks like after 12 statements there is a complete review on this.
I just wanted to share this for some data points for platinum. I expect I am bucketed within secured, I didn't put down a big deposit, maybe $50 I am not sure, and this is my oldest account comfortably so I would like to keep that open for now at least since it has no AF.
Hoping to get big CLIs and expand my relationship with Amex once I hit Venture SUB.
Welcome To myFICO Forums and
Congrats on your Cap One Venture approval!
Congrats on your Venture card !