Venture X Approval

[HHH71]

I travel extensively and currently use:

Amex Hilton Aspire, Amex Marriott Bonvoy Brilliant, Amex Platinum, Citi AAvantage World Elite Mastercard, and Chase Sapphire Reserve. Decided to give Capital One Venture X a try. Seems it gets a lot of positive reviews on the tube.

Had to unfreeze all my credit reports because I couldn't get a difinative answer as to which one C1 pulls. They ended up pulling Equifax. Was approved for $20,000. I will put the $4k on it and get my points and give it a shot.

This brings my personal credit limits up to $245,000 not including my AMEX platinum which I know is at least $50,000. Also have a Chase Ink business card with a $36,500 limit. 

Some data points:

Credit Scores: Fico 8 Equifax 820, Transunion 828, Experian 830. Exciting to see these higher numbers. My auto fico hit 845 and my credit card fico hit 845 as well.

Utilization 2% - Never carry a balance but sometimes I miss a report date. Put about $15k-$20k a month on cards.

Payment history 100%-No lates or collections

Average Age is a weakness for me; about 2y9m. 

Annual Income - $600,000

Total Accounts - 31 which includes pretty every type of credit use

Think I pretty much done with personal credit cards. Can't think of any others I want. Will probably start to get more business cards.

Cheers

[Invest4Rest]

Congrats!! 🚀🚀🚀 #goals 😄

[BigBS]

Very nice! Congrats on the approval!

[Zoostation1]

Congrats on the approval and nice SL!  If all CRAs were unfrozen you definitely got a hard pull on all 3, even if it isn't showing yet.  Capital One will always do a triple pull.

[NoMoreDebt]

Congrats on the approval

[M_Smart007]

Congratulations on your Approval 🥳

[CreditAggie]

Congratulations on your Venture X approval!

[Snoutwater912]

Excellent 👍🏿! Way to go on getting approved for the VX! Definitely a 🏆 win! Also, pretty impressive statistics you got there! Rock on brother!! 🤙🏿

[NoMoreE46]

Nice & Excellent post @HHH71 .

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@HHH71 wrote:

I travel extensively and currently use:

Amex Hilton Aspire, Amex Marriott Bonvoy Brilliant, Amex Platinum, Citi AAvantage World Elite Mastercard, and Chase Sapphire Reserve. Decided to give Capital One Venture X a try. Seems it gets a lot of positive reviews on the tube.

Had to unfreeze all my credit reports because I couldn't get a difinative answer as to which one C1 pulls. They ended up pulling Equifax. Was approved for $20,000. I will put the $4k on it and get my points and give it a shot.

This brings my personal credit limits up to $245,000 not including my AMEX platinum which I know is at least $50,000. Also have a Chase Ink business card with a $36,500 limit. 

Some data points:

Credit Scores: Fico 8 Equifax 820, Transunion 828, Experian 830. Exciting to see these higher numbers. My auto fico hit 845 and my credit card fico hit 845 as well.

Utilization 2% - Never carry a balance but sometimes I miss a report date. Put about $15k-$20k a month on cards.

Payment history 100%-No lates or collections

Average Age is a weakness for me; about 2y9m. 

Annual Income - $600,000

Total Accounts - 31 which includes pretty every type of credit use

Think I pretty much done with personal credit cards. Can't think of any others I want. Will probably start to get more business cards.

Cheers

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[firefox100]

Congratulations on your venture X approval enjoy it have fun, you have great income.