@ddemari wrote:CapitaloneOne's prequalify site is spot on in my opinion. I did an app spree 2 months ago and got some great cards; Freedpm 3.5k approval, Amex Green and SallieMae MC 3.5k approval. Then last week for the first time I looked at Cap1's prequal site, which there are never any offers for me. I was prequalifed for VentureOne no annual fee Visa, QuickSilver Visa and Platinum Prestige.
I toom the QS Visa offer, instant approval 3k 17% interest after June 2015.
So today, I am like fighting the app urge but decide if I try my other prequalify for the no annual fee Venture card, maybe cap1 will not even run credit report because I have 4 other Cap1 cards. So I was being in the mood where I am going to app and expect a decline and then hide in the garden for sometime.
Well to my suprise, I was instantly approved for 5k VentureOne no annual fee Visa with a 14% interest after June 2015. To date, this is my best instant approval and my first 5k Visa Signature!!! SERIOUSLY in the garden now. I am a little scared because of all my recent apps but my revolving utilization is at 1% AAOA is 5 years, History 12 years, and I maintain great payment history. I think taking the 3 additional hard pulls is worth the 5k Signature Visa. I just don't want to set off any red flags with other credit cards companys but I think as long as I stay low on balances and keep up my payment history im good. But i am seriously intrigued by what credit score capitalone uses, because I thought VentureOne no annual fee was a hard card to get. My FICO scores are good but under 700.
Congratulations on your approvals! Thanks for sharing. 
