Recent Cap1 Venture Approval Stats

[Vegas4Play]

Hubby:

Pre-qualified:  Yes

FICO8 scores across all 3 bureaus:  EQ 695, EX 680, TU, 670 Bankcard score 713

Inquiries:  EQ 0, EX 0, TU 2 (last two years)

AAOA:  5 years

Current highest credit limit:  $2,000

CL Upon Appoval:  $20,000 also got QS 5K

Income 70K

Utilization at 2%

Burned CO in BK for 12K

Note: CH13 BK  5 year plan DC'd August 2015

Myself:

Pre-qualified:  Yes

FICO8 scores across all 3 bureaus :  EQ 710, EX 675, TU, 692 Bankcard score 699

Inquiries:  EQ 0, EX 0, TU 1 (last two years)

AAOA:  4  years

Current highest credit limit:  $4,500 ( cap one 4 years )

CL Upon Appoval:  $30,000 also got QS 3k (should have applied Venture one insteadof QS)

Income 45K

Utiliization 15%

Never burned them

Note: CH13 BK  5 year plan DC'd August 2015

First card apps since discharge

Both got 2 cards each with 1 set of triple pulls.

[morgacj2004]

My first Venture was 20k. Now at 22k. Was not pre-approved. FICO scores 675-690. Income is 150k yr.

[Anonymous]

Approved for both venture and venture one
Pre-qualified: no
FICO scores across 3 bureaus: eq641 tu651 ex 647
Inquiries:10 on all
AAoA:
Current highest credit line:2,000
CL upon approval:5000, 3000
Income (no need to be specific)38,000

letter stated they went by my ex score

[Broke_Triathlete]

Pre-Qualified: No (I am opted out)

FICO Scores:  EQ 663, EX 624, TU 632

Inquiries: 8, 3, 6

AAoA: 2.3, 3.9, 3.7

Current Hights Credit Line: $15,000 (what I was approved for), $11,500 (prior to approval)

CL Upon Approval: $15,000

Income: $45,000

I was also approved for the Venture One at $10,000 1 week later.

[Anonymous]

I understand capital one needing to triple pull. They lend credit when others wont. But I just cant grasp the triple pull concept....or the fact they encourage folks to carry duplicate, triplicate, etc cards. Its baffling.  Can't they just SP the others?  What is it they cant see with one HP?  They obviously let people have other cards with 1 hp. Or with certain folks, only 2hps from doing certain things.

Makes my local cu 7.9% 10-20k limit offering sound better.

I do admire their limits, they dont seem to fluctuate much in times of high util as we all know.  This wasn't meant to be a cap1 hate speech.  Hopefully they come out with something new as rumored, then and only then, I would snag a venture.

[Anonymous]

Pre-qualified: Venture/Venture One, 17.99 APR and 16.99
FICO scores across 3 bureaus: eq 648, tu 627, ex 640
Inquiries:2,3,3
AAoA:4 yrs
Current highest credit line: 4k QS1
CL upon approval: 10,000 and 7,500
Income 52,000
Burned cap one in BK 2011. Have a QS, qs1 and secures through them. QS's are new as of July and August. Secures I have had since right after BK.

[cutemarty1]

Pre-qualified: Venture= 17.99
FICO scores across 1 bureau: eq 851.
Inquiries:12
AAoA:8 yrs
Current highest credit line: 24k Amec BCE

CL upon approval: 30,000
Income 115,000 + 31200 rental inc

[FinStar]

I didn't even realize this thread was still going strong.  I don't remember seeing it when I was approved.  Ok, I'll play (for those who are interested)

Pre-qualified: No

FICO scores across 3 bureaus: ~800 - 831

Inquiries: several (whoopsie!) more than 8 but less than 15 on each CR (IIRC, memory fails me)

AAoA: 6+ years

Current highest credit line: 50,000 (at the time of approval)

CL upon approval: 50K on Venture and 50K on QS - only 1 triple pull for both apps

Income (no need to be specific): upper six-figures.

Here's my experience from July of this year:

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Approval-100-000/td-p/4152472

[Anonymous]

Pre-qualified: Venture 17.9%/VentureOne 16.9%/QS 17.9%
FICO scores across 3 bureaus: EQ 661,TU 628, EX 667
Inquiries: EQ 15, TU 3, EX 5
AAoA:4.7 yrs
Current highest credit line: 22K each on NFCU cashRewards and Platinum MC
CL upon approval: 15K Venture and 7.5K VentureOne
Income 92,000
Still have two baddies showing: a judgement from Cap1 in 2009 and a CO auto loan from 2009. Was also approved on a Venture for 5K @ 22.9% that I cold apped on 8/29 with no pre qual showing. My pre quals showed up one day after the first statement cut for the first Venture.