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Venture Approval

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JayTee1
Frequent Contributor

Venture Approval

At this rate, I will never stay in the garden.

 

Doing some international travel later this year and next and wanted a nice travel card (the only kind I do not have in my portfolio unless you count Delta Gold Skymiles, which is meh).

 

Tried for BoA travel, Barclay Mileage +, both denied, I'm guessing because of credit age, recently opened accounts, etc.  I figured, what the heck, no way Cap One is going to give me the Venture since I stopped receiving even prequals on their site.  But I had already wasted the other inquiries and was feeling reckless I guess.

 

They approved me for $20,000.  I was pretty floored.  Happy though.  Once I hit the initial spend, that's 50k bonus miles I will definitely be using right away.  

 

Edit:  I guess I should finally close my **bleep**ty Quicksilver builder card which has been stuck at a $750 credit limit for almost three years.  Smiley Very Happy

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
Message 1 of 23
22 REPLIES 22
peghede
Valued Contributor

Re: Venture Approval

Congrats on approval from crap1 m8

Message 2 of 23
simplynoir
Community Leader
Mega Contributor

Re: Venture Approval

Congratulations on your card!

Message 3 of 23
MartyWrite75
Valued Contributor

Re: Venture Approval

Congratulations on your recent approval!

July 2024: Experian 772; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $7,500 || Citi Custom Cash: $12,500 || Verizon VS Visa: $12,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 10%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 4 of 23
Anonymous
Not applicable

Re: Venture Approval

Congrats. Nice SL. Do you have any data points for the masses (current scores, credit pulls, etc.)?

Thanks
Message 5 of 23
Anonymous
Not applicable

Re: Venture Approval


@Anonymouswrote:
Congrats. Nice SL. Do you have any data points for the masses (current scores, credit pulls, etc.)?

Thanks

congrats. I second this statement. DP please

Message 6 of 23
Anonymous
Not applicable

Re: Venture Approval

Congrats on the approval.  Is the Venture still metal?

Message 7 of 23
JayTee1
Frequent Contributor

Re: Venture Approval

"Crap1" gave me a chance at rebuilding my credit when my scores were below 550.  "Crap1" also gave me my very first rewards card when my FICO scores handn't yet hit 600.  

 

So, thanks, I guess.

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
Message 8 of 23
JayTee1
Frequent Contributor

Re: Venture Approval

Sure.

 

My current scores are (all Fico8) ex: 700, eq: 670, tu: 658.

 

All these scores are depressed by old negatives, one on EX, two on EQ, and three on TU.  All due to fall off within the next two years thankfully.

 

Credit utilization at (total) 21%.  Have 27 open accounts with about $140k in available credit.  I have about 3 cards over 30% utilization which are on 0% promotions, but are going down signifcantly each month.

 

I have opened several new accounts recently, the most recent a Citi Costco last month, and the month before that a Pen Fed rewards card.

 

12 inquiries across all three bureaus: eq: 3, tu: 4, ex 5:  One on each bureau was a mortgage inquiry that may already be off my reports as of today (I'm reviewing my 2/1/2018 report).

 

AAOA is about 2.5 years.  

 

My relationship with capital one is my oldest (for current accounts), since they started me off with a **bleep**ty secured card about 4 years or so ago.

 

FWIW, gross income $82k (not inflated).  No other debts on report other than lease payment of $325 and mortgage payment of $875.

 

I hope those data points are useful!

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
Message 9 of 23
JayTee1
Frequent Contributor

Re: Venture Approval

I already have a barclay which I'm going to **bleep**can since it's been at a $2800 limit for two years.

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
Message 10 of 23
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