Wanted the C1 VentureX as it fit my travel habits pretty well. I usually take at least 2 trips a year, and AirBnB was my go to for stays, and the travel credit seemed good for that. After seeing the data points, and hearing about the SUB cuts and benefits cuts, I gave up on it.
Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:
My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures. That as definitely different from previous attempts. Called CS and asked some questions: Can you have more than 2 personal cards? Got a cryptic "...you can." If I've had small limits on my other C1 cards am I eligible for the $10K+ VentureX? "...thats not a factor in the approval process." Asked some more questions, was given a different number (application department) to call to get more specific answers based on my profile.
A few hours later, after figuring I just has some HPs drop off, what's the harm. So I found a 90K link, applied and was approved.
Think I'm done for now. Will probably downgrade my Surpass when it renews. Next summer I'll PC my Bonvoy to a Ritz, then I'm set for the foreseeable future -- unless something new and too good to be true comes out. Is this the norm?
B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).
Congratulations on your Venture X approval and nice SL 🎉🎉🎉.
@biff-henderson wrote:Wanted the C1 VentureX as it fit my travel habits pretty well. I usually take at least 2 trips a year, and AirBnB was my go to for stays, and the travel credit seemed good for that. After seeing the data points, and hearing about the SUB cuts and benefits cuts, I gave up on it.
Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:
My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures. That as definitely different from previous attempts. Called CS and asked some questions: Can you have more than 2 personal cards? Got a cryptic "...you can." If I've had small limits on my other C1 cards am I eligible for the $10K+ VentureX? "...thats not a factor in the approval process." Asked some more questions, was given a different number (application department) to call to get more specific answers based on my profile.
A few hours later, after figuring I just has some HPs drop off, what's the harm. So I found a 90K link, applied and was approved.
Think I'm done for now. Will probably downgrade my Surpass when it renews. Next summer I'll PC my Bonvoy to a Ritz, then I'm set for the foreseeable future -- unless something new and too good to be true comes out. Is this the norm?
B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).
and I cant get preapproval, approval, CLI for **bleep** lol Im just envious, not hating. Congrats Im glad you got a card that fits you with a nice SL!
I know right! I'd all but given up on getting a CLI on my other 2 C1 cards. The only reason the Savor had any spend on it was it was set as a payment method on an accont I started using again.
I checked my email and had a pre-approval offer from C1 for the Walmart card from Thursday. Go figure :-/
Now I just have to make the SUB.
B.
Congrats on the approval! While they gave you the highest interest rate (probably due to the prior lates), a $20k SL indicates they're still pretty comfortable with you. I had 2 other Cap 1 cards with relatively low with the min $10k limit).
Congrats on the approval! $20k is a great SL
Congratulations on your approval, great starting limit and on getting the elevated welcome offer!
@biff-henderson wrote:
B.
FICO 8 - Exp: 717 TU: 715 EQ: No clue! 6HP in 24mos (4 in 12mos) 5% Utilization, $100K income 2/12, 4/24. 15 90day lates (5yo). 1 CO (5yo).
Congrants on the VX approval, although this DP truly adds to the mystery on what Captal One is looking for when approving applications for the VX.
@biff-henderson wrote:Saw a YT video about an elevated SUB, and then a Reddit post about a VentureX preapproval link. So being bored I hit it up. For the last 2 yrs my C1 preaproval results showed QS and Savor. Today I got the following image:
My first thought was its a trap. Tried the regular preapproval page and got all the regular Ventures.
Something wroth noting is the the regular CapOne Pre-approval only checks for eligibility for
1) QS for excellent credit,
2) SavorOne Rewards for excellent credit,
3) Venture
4) Venture One
5) Savor (w/ the AF)
6) Platinum
7) QS1 for fair credit
8) QS1 secured
9) Platinum secured
The Venture X is not mentioned. Here is the link to the Cap1 VX Pre-Approval page if anyone is looking--> https://www.capitalone.com/credit-cards/preapprove/venture-x/
