So I tried getting a CLI once again on my Cap 1 Playstation Visa, and was denied. I've had the card for three years, and its still stuck at $1,500.
I then decided to test the (already well tested) theory of "Once you're in a bucket, Cap 1 doesn't like putting you into another bucket once your scores increase." I check the prequal site, and for the first time ever I saw both the Venture and Venture One show up!
After some soul searching, deciding whether I wanted 12 months 0% intrests and no annual fee with a 20,000 mile bonus after $1,000, or 18%, $59 annual fee at 40,000 mile bonus after $3,000, I opted to go for the straight Venture. Annual fee is waived for the first year, and I can always either PC to a VentureOne, or just combine the credit limit into my Quicksilver before the next annual fee hits.
Result? Instant approval for $15,000 CL.
$3000 in three months is easy to hit, so that 40,000 miles will go towards my honeymoon costs!
I gotta freeze my reports now so I'm not tempted to keep applying elsewhere! Three cards with ~$15K limit is way more than I need, not to mention all the little ones!
Nothining VENTURED nothing gained
@kugel wrote:
What's your score ?
Cap1 pulls all three bureaus... EQ - 695 // EX - 718 // TU - 714 according to MyFico.
I had 14% util reporting.
Congratulations, Dalmus! On the Venture and your upcoming wedding/honeymoon! 
Thanks!
It's amazing how fast the time goes the closer to the day it gets...
Does anybody know if AU accounts count towards bonus spend? I can meet it just fine on my own, but she does half the shopping and other things, so that would be nice to hit the bonus quicker!
It's amazing how fast the time goes the closer to the day it gets...
Does anybody know if AU accounts count towards bonus spend? I can meet it just fine on my own, but she does half the shopping and other things, so that would be nice to hit the bonus quicker!