Cap One - Venture/Savor/QS - how long since last app?

[expatCanuck]

So. 

Most of my scores are perilously close to 800.  No derogs.  Adequate income.  Aggregate utilization below 4% -- AZE2 (15-20% util on my BoA cards).  But lots of INQs.

CapOne's prequal site says I'd love a Platinum or QS1.  I'm more a Venture/Savor/QS kinda guy.

Any thoughts as to how long after my two Oct INQs (and new cards (Uber V, TD Cash)) I might have to wait before Cap One offers me a card I want (if ever)?

FWIW, much of my income (5K+/mo) is direct deposited to a CO chequing account.

Insight welcome.

[Anonymous]

I added two accounts in April, then three accounts in August. I applied and was approved for a SavorOne ($95/fee makes regular Savor pointless to me) at the end of November.

It had been three reported statements since the most recent accounts. I was 5/12, 5/24 at that point. I had 1- 6 inquiries, depending on the bureau.

I wouldn't wait on their prequal site if you want one. It also showed me only a Platinum and secured card.

[kdm31091]

Capital One is very stingy with their higher end cards lately, and they seem to have some type of 5/24 rule going on, but no one really knows the specifics.

If the prequal is only showing their starter cards I would definitely wait until that changes before wasting an app. I've seen very few Savor/Venture/QS approvals around here in the past 6 months to a year. They definitely have really tightened up.

I would keep checking the prequal and aim for at least six months past those recent inquiries, but again, no one really knows what kind of rule Capital One has now.

[CreditCuriosity]

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@kdm31091 wrote:

Capital One is very stingy with their higher end cards lately, and they seem to have some type of 5/24 rule going on, but no one really knows the specifics.

If the prequal is only showing their starter cards I would definitely wait until that changes before wasting an app. I've seen very few Savor/Venture/QS approvals around here in the past 6 months to a year. They definitely have really tightened up.

I would keep checking the prequal and aim for at least six months past those recent inquiries, but again, no one really knows what kind of rule Capital One has now.

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+1 basically what he stated unless you are prequalified on their site for Venture/QS/Savor type of scenario and have opened around 5-6+ cards in the last two years I would certainly not blind app as they do have something in place such as 5/24, but no one knows for sure exactly what kinda rule it is.. They have turned very anti churning within the last yearish time frame give or take months