what makes you think your profile doesn't support Venture X? you have 2 long standing cards with high-ish limits, 1 year with all of those big cards you opened might be enough in 12 months time.
Your income is certainly high enough. Your app spree recently may mean it's not today, but I wouldn't be surprised if you could easily be approved sometime in the future.
I wouldn't take good spend and throw it down the Cap1 rabbit hole when you can put that spend towards maximum rewards and let time get you not only a Venture X, but a SUB as well.
Check your Pre-Approval tool, what does it say?
@Edward_the_confessor wrote:
We weren't able to complete your request at this time. Rest assured—your credit score wasn't impacted.
While we get our pre-approval tool back up and running, feel free to explore our whole suite of cards.
it's up for me, clear cookies/unfreeze your reports?
@Edward_the_confessor wrote:
@GZG wrote:
@Edward_the_confessor wrote:it's up for me, clear cookies/unfreeze your reports?
Went through this time but only showing the Platinum Secured and Quicksilver Secured. Probably not the best look when I put looking for "Travel rewards and welcome offer".
Experian as of 4/1/2023 - 771
Equifax as of 4/1/2023 - 796
TansUnion as of 4/1/2023- 781
Experian FICO8 as of 4/1/2023 - 769
yeah that's the uh, "We're just not that into you right now" response. Likely due to recent accounts.
I imagine your profile was clean when you applied for your quicksilver, it would certainly be possible to CLI that card all the way to 10k, I would imagine at least 2-3k spend per month at a minimum is where you would want to be at, if not more.
No guarantees though, and I don't think it would be worth it, but not impossible. Maybe others will chime in on their thoughts.
@Jeffster1 wrote:IMHO, CAP 1 really doesn't know what it wants to be when it grows up. Many years ago, they expanded into Prime territory but really don't seem to feel completely comfortable there. Just my opinion.
I appreciate the chance they gave me when my rebuild was new. I won't forget that. But is this a CC company that will grow with me? IMHO, no. I'm OK with that.
Ironically in a year OP probably still won't get his VentureX because his scores will be too high by then...And the reasons they give for the denial will make even less sense than they do now. The juice isn't worth the squeeze IMHO.
Capital One definitely has "a type" of customer they prefer and they have told me in no uncertain terms I'm not in that group any longer. Thankfully.
Between April 7th and 9th I closed both my Cap1 accounts totaling over 17k worth of good credit history because I'm not going to let some bank lie to my face and try to gaslight me about past delinquent accounts while gladly taking money from me now on 2 accounts in perfectly good standing all the while not having a single bad mark on any of my credit reports period. To heck with all that, Cap1 can take a hike.
8/22/24
3/09/25