Venture card

[Stonemanmv]

How hard is it to get a cap1 venture card? Are they good cards I don't here them talked about too much here

[sandman2435]

As long as your credit is good..you should not have any problems as its Cap1's top tier card...Their is 2 types they offer..one gives you 2 miles for every dollar you spend..but it comes with a $59 yearly fee..The other is the Venture one which gives you 1.25 miles for every dollar you spend as there is no membership fee...I have the venture card and I use it a lot have have racked up a ton of miles...if you read money mag..its rated as one of the top rewards cards to get..also chase has the CSP which is also a great rewards card..The fee is alittle bit more $95..But they have a 1:1 point transfer which is very good..

[Stonemanmv]

I called and spoke to a rep before he said I needed a card with above 5000 cl for at least 3 years. Sounds kinda tough. I have a discover with 6000 cl but its only 3 months old

[Anonymous]

just an FYI. the 5000 is any kind of credit not just a credit card. i thought that too and they my freind applied and she got it and only had a 3600 Highest limit card. so if u have a mortage or car loan it counts.

[red259]

The Venture was my first card since coming back. Its a visa signature with 5k CL and I like it a lot. I got it after I was denied for the CSP due to not enough open revolvers. At the time of my application I had one closed out chase card on my report which was a 3k limit which was closed out in 2007 and paid off and a banana republic card for a few months before I closed it. That being said I have a number of long term student loans. My approval was instant and I did not try to recon the cl or anything since I was just happy someone said yes to me! 

[somnipotent]

They are inquiry sensative as well as I have most recently found.  The Venture is the very last card I wanted (although it's not a need) and I apped during a spree and was my only denial.  My recent HPs from the mortgage process hurt me.  I will reapply in a year as my inqs age out.  Good luck, it's a great all around travel card.

[Stonemanmv]

I have 8 inq on ex. 3 on Eq 2 Tu. I have a car loan that is 2 years old in sept. and a mortgage that is only 3 months old do I need to wait til the car loan is 3 years old?

[red259]

Not sure on the length of time you should wait, but Cap 1 will pull all 3 reports.

[Stonemanmv]

I have a cap1 rewards cards only have a 750 cl though not sure if that helps. Been paying on it for 19 months lot of use never late

[red259]

Your inqs were all this year?