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You would be correct. However, my scores have improved quite a bit in the last two months (with AU cards and 2 cap 1 cards reporting).
Arg. I am just scared of that triple pull. Maybe I should garden at least another month.
DGF's mom got a Venture for 20k and Venture1 for 10k with Fico 08's lower than that but she had a prequal showing. Keep in mind that Cap1 uses the Fico 04 scores so those could be higher or could be lower. If you're giving serious thought to it you could order the 3B report and see exaclty where you stand on those scores. Or just wait a little longer and see if the prequal comes up for you.
Hahah, donny is a bad influence. Let me see what others say. I donno how risky it is with no pre-qual
If it a card that you really want, apply for it. The worst that can happen is you get denied. On the other hand, you might get approved.
@Anonymous wrote:Hahah, donny is a bad influence. Let me see what others say. I donno how risky it is with no pre-qual
I had nothing on pre qualifier either! I cold app'd. Just do it! You'll get it.