@taxi818 wrote:
@Anonymous wrote:
@taxi818 wrote:
@Anonymous wrote:
@taxi818 wrote:Yes. i got the hp on those two. i suspected the denial was because Eq was on ice.
I then got the letter from them a week later.
They stated. unable to access my credit report.
They specifically mentioned EQ.
So thats when i decided to try again. after 30 days to make sure they would not say too many apps in last 30 days.
Then Boom Approved.
@Anonymous, thanks so much. Maybe I will unfreeze just in case - I'd hate to waste 2 HP. Unfortunately, though, my EQ is my worst @ 672 w/ the one small CO loan from 6 years ago reporting as well. I really appreciate you taking the time to respond!
Dont worry of it. My eq was 663. when i re apped. it was fine. they are basically looking at the entire credit picture. not an indiviual score. maybe something on eq that is not on Tu or Ex. this is what they are looking for.
AS long as your scores are all over 660. you will be fine. and will get a great limit.
Thank you! BUT!! I just saw that Venture does not offer 0% interest
What is this mess! I'm really interested in that - should I app for V1 to get this? How bad is the V1 according to reg V?
Also, may I ask what your SL was w/ Venture?
My starting limit was horrible. i made a mistake on the income question. I only got 5k. yikes. hehehe. but you are correct. It does not offer interest free period.
But my brother. got both. and many friends end up getting both cards. The Venture and the Venture one. but to be honest.
The starting limits on the Venture one is no where near what the regular venture does. you can actually get 3k on the venture 1. you might get better. but you can get low limit. even though its a signature card as well.
i really made mistakes. i said i did not want BT. and i did not include all my income. just partial. so i got low limit. but i also have 5k on quicksilver as well. as well as another 2k on a cap one platinum. so im fine with it. total 12k in limits with cap one. so no problem.
Okay, good to know, good to know. Thanks again. The interest free promo isn't THAT important to me - I could def use the "breathing room" w/ these trips coming up but I could make it work w/o too much damage. I'd rather have the Venture and then downgrade than start w/ V1.
agreed. i don't mind paying a little interest if im traveling. but Discover then offered me a 0 percent BT for a year. jumped on it. so no more interest on my other cards. i shipped all over to Discover. and now. i just got a pre approval for that Citi simplicity. im not gonna take it until the end of the year. But it is 21 months 0 percent interest . on purchases and on balance transfers. So whatever i put on my venture. and carry as balance. later in the year i will ship that balance over to citi. playing the game. not paying interest. using them for me. like they use others. the banks that is. hehehe
@Anonymous wrote:
@CreditCuriousity wrote:Scores are fine, although I would unfreeze EQ if you are going to apply.. EQ is what they basically use as their main decision maker on approval/denial and the other two just making sure your other two don't have anything soar stick out they don't know about, but sometime it is just one other, but more so they want all 3.. I wouldn't apply with it on ICE and risk two HP's and a denial due to EQ being on ice.. Just my opinions on it.. I am all about stacking the odds in my favor, but you really can't do that w/regards to EQ and Cap1.. They will still pull the other 2 and wont ask you to unfreeze EQ they will just deny you.
BTW EQ was at 670 at time of aproval and other scores were 690-700 range on Exp and TU w/income north of 100k. Got 20k on Venture and 10k on QS with baddies on EQ/EX more than on TU. I have a pretty thick file though. Just more data points. Oh and didn't say I wanted a BT whether that matter or not, who knows.. Was kind of hoping for a 30k Venture approval, but that didn't quite happen probably due to my baddies remaing on report.
Solid advice & I appreciate it. I will unfreeze before APPing. Thank you so much for the data! This looks promising but your income dwarfs mine and I'm sure that will play a role. What is your plan w/ Venture? Downgrade before AF or is it worth it to you to keep the card around?
Has anyone ever had a problem downgrading?
My plan is if they allow CL combining as rumored in October then move that limit into my QS Visa Signature for a limit of 30k.. It they don't allow that I will PC it before the AF hits to the QS card and have 2 QS cards. Of course I am going to get the venture bonus of 40k miles and the QS bonus as well as that is free money as long as you can meet spend.. Having my best friend whose rent is 4500 a month and they take cc w/out any fees cut me a check and authorize one rent payment on my Venture card to meet that bonus 
, while I am working on my other bonuses of QS/HHonors and Total rewards right now.
Hasn't been long enough since the venture craze of downgrading yet as I believe you gotta at least wait 6 months to PC this card.. So it will either be a combine limit if they allow to my QS and cancel the venture of Pc the venture to a QS and have two QS siggy's
I also have two other QS's (rebuilder cards) at 4.5k each that I will be cancelling when the Venture/QS (new ones) report... No need for 4 Cap1 cards
@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:Scores are fine, although I would unfreeze EQ if you are going to apply.. EQ is what they basically use as their main decision maker on approval/denial and the other two just making sure your other two don't have anything soar stick out they don't know about, but sometime it is just one other, but more so they want all 3.. I wouldn't apply with it on ICE and risk two HP's and a denial due to EQ being on ice.. Just my opinions on it.. I am all about stacking the odds in my favor, but you really can't do that w/regards to EQ and Cap1.. They will still pull the other 2 and wont ask you to unfreeze EQ they will just deny you.
BTW EQ was at 670 at time of aproval and other scores were 690-700 range on Exp and TU w/income north of 100k. Got 20k on Venture and 10k on QS with baddies on EQ/EX more than on TU. I have a pretty thick file though. Just more data points. Oh and didn't say I wanted a BT whether that matter or not, who knows.. Was kind of hoping for a 30k Venture approval, but that didn't quite happen probably due to my baddies remaing on report.
Solid advice & I appreciate it. I will unfreeze before APPing. Thank you so much for the data! This looks promising but your income dwarfs mine and I'm sure that will play a role. What is your plan w/ Venture? Downgrade before AF or is it worth it to you to keep the card around?
Has anyone ever had a problem downgrading?
My plan is if they allow CL combining as rumored in October then move that limit into my QS Visa Signature for a limit of 30k.. It they don't allow that I will PC it before the AF hits to the QS card and have 2 QS cards. Of course I am going to get the venture bonus of 40k miles and the QS bonus as well as that is free money as long as you can meet spend.. Having my best friend whose rent is 4500 a month cut my a check and authorize one rent payment on my Venture card to meet that bonus
Hasn't been long enough since the venture craze of downgrading yet as I believe you gotta at least wait 6 months to PC this card.. So it will either be a combine limit if they allow to my QS and cancel the venture of Pc the venture to a QS and have two QS siggy's
I also have two other QS's (rebuilder cards) at 4.5k each that I will be cancelling when the Venture/QS (new ones) report... No need for 4 Cap1 cards
ooh. i see. no wanting to pay the AF. that is what op was asking as well about downgrading. I did not even think of that. to avoid the fee. i could go to venture 1 with my limit if they do it. im sure they will. but better would be to combine my limit to my Qs as you are suggesting. outstanding.
@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:Scores are fine, although I would unfreeze EQ if you are going to apply.. EQ is what they basically use as their main decision maker on approval/denial and the other two just making sure your other two don't have anything soar stick out they don't know about, but sometime it is just one other, but more so they want all 3.. I wouldn't apply with it on ICE and risk two HP's and a denial due to EQ being on ice.. Just my opinions on it.. I am all about stacking the odds in my favor, but you really can't do that w/regards to EQ and Cap1.. They will still pull the other 2 and wont ask you to unfreeze EQ they will just deny you.
BTW EQ was at 670 at time of aproval and other scores were 690-700 range on Exp and TU w/income north of 100k. Got 20k on Venture and 10k on QS with baddies on EQ/EX more than on TU. I have a pretty thick file though. Just more data points. Oh and didn't say I wanted a BT whether that matter or not, who knows.. Was kind of hoping for a 30k Venture approval, but that didn't quite happen probably due to my baddies remaing on report.
Solid advice & I appreciate it. I will unfreeze before APPing. Thank you so much for the data! This looks promising but your income dwarfs mine and I'm sure that will play a role. What is your plan w/ Venture? Downgrade before AF or is it worth it to you to keep the card around?
Has anyone ever had a problem downgrading?
My plan is if they allow CL combining as rumored in October then move that limit into my QS Visa Signature for a limit of 30k.. It they don't allow that I will PC it before the AF hits to the QS card and have 2 QS cards. Of course I am going to get the venture bonus of 40k miles and the QS bonus as well as that is free money as long as you can meet spend.. Having my best friend whose rent is 4500 a month and they take cc w/out any fees cut me a check and authorize one rent payment on my Venture card to meet that bonus
Hasn't been long enough since the venture craze of downgrading yet as I believe you gotta at least wait 6 months to PC this card.. So it will either be a combine limit if they allow to my QS and cancel the venture of Pc the venture to a QS and have two QS siggy's
I also have two other QS's (rebuilder cards) at 4.5k each that I will be cancelling when the Venture/QS (new ones) report... No need for 4 Cap1 cards
Great info!!! And I think I remember reading about your lucky situation w/ the rent deal! I wish my rent would allow me to pay w/ CC! But they want a THIRTY!!! ($30!!!) dollar fee if it goes on a credit card. Punks!
@Anonymous wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:Scores are fine, although I would unfreeze EQ if you are going to apply.. EQ is what they basically use as their main decision maker on approval/denial and the other two just making sure your other two don't have anything soar stick out they don't know about, but sometime it is just one other, but more so they want all 3.. I wouldn't apply with it on ICE and risk two HP's and a denial due to EQ being on ice.. Just my opinions on it.. I am all about stacking the odds in my favor, but you really can't do that w/regards to EQ and Cap1.. They will still pull the other 2 and wont ask you to unfreeze EQ they will just deny you.
BTW EQ was at 670 at time of aproval and other scores were 690-700 range on Exp and TU w/income north of 100k. Got 20k on Venture and 10k on QS with baddies on EQ/EX more than on TU. I have a pretty thick file though. Just more data points. Oh and didn't say I wanted a BT whether that matter or not, who knows.. Was kind of hoping for a 30k Venture approval, but that didn't quite happen probably due to my baddies remaing on report.
Solid advice & I appreciate it. I will unfreeze before APPing. Thank you so much for the data! This looks promising but your income dwarfs mine and I'm sure that will play a role. What is your plan w/ Venture? Downgrade before AF or is it worth it to you to keep the card around?
Has anyone ever had a problem downgrading?
My plan is if they allow CL combining as rumored in October then move that limit into my QS Visa Signature for a limit of 30k.. It they don't allow that I will PC it before the AF hits to the QS card and have 2 QS cards. Of course I am going to get the venture bonus of 40k miles and the QS bonus as well as that is free money as long as you can meet spend.. Having my best friend whose rent is 4500 a month and they take cc w/out any fees cut me a check and authorize one rent payment on my Venture card to meet that bonus
Hasn't been long enough since the venture craze of downgrading yet as I believe you gotta at least wait 6 months to PC this card.. So it will either be a combine limit if they allow to my QS and cancel the venture of Pc the venture to a QS and have two QS siggy's
I also have two other QS's (rebuilder cards) at 4.5k each that I will be cancelling when the Venture/QS (new ones) report... No need for 4 Cap1 cards
Great info!!! And I think I remember reading about your lucky situation w/ the rent deal! I wish my rent would allow me to pay w/ CC! But they want a THIRTY!!! ($30!!!) dollar fee if it goes on a credit card. Punks!
Ya most places do want that.. but lets say you rent is 1k.. Pay 3 months rent with it worse case scenario and that is 90$, but at the same time your bonus is $400 if you meet the spending requirement.. So that is a no brainer approach to me in the worse case scenario 400 > $90 net profit $310.. Otherwise do say one month rent at 30$ and the other 2k in normal spending or some combination..