@Davidasmithlpn wrote:
So I have looking around on here searching on info for the quicksilver and venture cards. I don't necessarily need another card at this moment. But everyone says the pull from it is eq-05, tu-04, ex-02. So when they pull those scored are they using the Mortgage scores, or bankcard scores?
I have checked prequal and it doesnt show anything yet (im not eligilbe until 9/10/16 anyway)
But i was just curious which version they pulled and what the recommended scores are?
My mortgage scored are
Eq - 652
Tu - 644
Ex - 669
But my bankcard scores are
Eq - 683
Tu - 645
Ex - 665
Like i say not looking to apply at this moment as i applied for a few cards the other day and got approved for thr SGV through SCT. Just curious which version and score most likely the would be required.
FWIW i have a really good history woth cap one. Started out a year ago woth $1k secured card, then moved up to a $500 platinum in march, CLI in may to $1,500 and credit steps should hit im a couple days, statement date is on 8th. I always charge up to my limit and pay in full, except this month i am going to carry a $370 balance on the $1,500 (27%)
This is the key to your success. Now that you have two cards, that is going to be one of the main influences for your next app.
Since your unsecured card is only at $1,500 so far, I'd suggest your next app would be for the QS with no AF. The Venture may be a bit too far away right now. After a year or more with the QS, then the Venture is probably a better result.
The above suggestions are from an amateur who is not Capital One. As always, you never really know what your result is with an app until you try, and you might get the Venture at a $5k limit now. The QS is just about a sure thing, however.
The other approach to consider is seeing if you can PC the Platinum card to a QS without going through the hassle of 3 HP for a new card. That gets you to the 1.5% rewards on a card you already are building history with. The Credit Steps may work well to increase the CL on that card already. Then continue to build history with CapOne, for a future Venture app.
