"Finally Applied After Being Arm Twisted..."
Capital One® VentureOne® Rewards Credit Card Review
Written by: flirishpm on 2011-08-23
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
flirishpm's review: 
I kept getting emails from Cap One over the last year or so inviting me to apply for this card and I've always ignored them. Today, I decided to go ahead and apply, knowing that I could care less whether or not I was approved. I have a Cap One with a $500 limit that I use just for miscellaneous things and I've been very happy with their customer service so I thought I'd give it a try.
I got the reply back "Congratulations, you've been approved"....on the right hand side of the webpage it detailed my terms which included my credit line ($3,000), APR (0% for 12 months) and no annual fee.
I haven't applied for a credit card since October 2009 so I was happy to get a decent credit line for a travel rewards card.
My FICO scores hover between 700 and 735 depending on which time of the month I check them. No BK ever. Solid 22 year history. No late payments. No negatives in any of my credit reports. I have to open car loans on my report and a bunch of paid off accounts still reporting, all favorable.
I'll get the card in 7 to 10 business days and let everyone know the status.
I kept getting emails from Cap One over the last year or so inviting me to apply for this card and I've always ignored them. Today, I decided to go ahead and apply, knowing that I could care less whether or not I was approved. I have a Cap One with a $500 limit that I use just for miscellaneous things and I've been very happy with their customer service so I thought I'd give it a try. I got the reply back "Congratulations, you've been approved"....on the right hand side of the webpage it detailed my terms which included my credit line ($3,000), APR (0% for 12 months) and no annual fee.
I haven't applied for a credit card since October 2009 so I was happy to get a decent credit line for a travel rewards card.
My FICO scores hover between 700 and 735 depending on which time of the month I check them. No BK ever. Solid 22 year history. No late payments. No negatives in any of my credit reports. I have to open car loans on my report and a bunch of paid off accounts still reporting, all favorable.
I'll get the card in 7 to 10 business days and let everyone know the status.
4 Comments
Comment 1 by derek1061
Re: Finally Applied After Being Arm Twisted... 
on 2011-08-23
Congratulations. Thats awesome, they gave you a great credit limit for Capital One. I can't tell you how many times I asked for a credit limit increase and have always gotten denied. I've personally only seen a handful of people getting approved for a Capital One card with a good credit limit.
on 2011-08-23 Congratulations. Thats awesome, they gave you a great credit limit for Capital One. I can't tell you how many times I asked for a credit limit increase and have always gotten denied. I've personally only seen a handful of people getting approved for a Capital One card with a good credit limit.
Comment 2 by wanderer
Re: Finally Applied After Being Arm Twisted... on 2011-08-23
Congrats! Your CL is great. You did better than virtually anybody that has reported on this site.
on 2011-08-23 Congrats! Your CL is great. You did better than virtually anybody that has reported on this site.
Comment 3 by thomas1
Re: Finally Applied After Being Arm Twisted... on 2012-10-05
You are more likely to get a CLI if you call the Exec number for Cap One. They are more willing to work with customers who have their premium card products. With their rebuilder products, the chances are very slim, but some have reported success with the backdoor numbers over at FICO. Cap One is supposedly in the process of re-vamping their CLI policy across the board.
on 2012-10-05 You are more likely to get a CLI if you call the Exec number for Cap One. They are more willing to work with customers who have their premium card products. With their rebuilder products, the chances are very slim, but some have reported success with the backdoor numbers over at FICO. Cap One is supposedly in the process of re-vamping their CLI policy across the board.
Comment 4 by jay228
Re: Finally Applied After Being Arm Twisted... on 2013-03-16
Applied for Capital One Venture Card on 2/16/2013 was denied instantly. Contacted New Accounts Department for reconsideration. After verifying my identity through my banking institution, I was granted a $30,000 credit limit with $15,000 Cash Advance limit. This is the highest CL of all my credit cards.
I have $20,000 credit limit with Citi Thank You Preferred.
$12,500 CL with Citi Thank You Premier
$15,000 CL with USAA AMEX
$15,000 CL with USAA MC
on 2013-03-16 Applied for Capital One Venture Card on 2/16/2013 was denied instantly. Contacted New Accounts Department for reconsideration. After verifying my identity through my banking institution, I was granted a $30,000 credit limit with $15,000 Cash Advance limit. This is the highest CL of all my credit cards.I have $20,000 credit limit with Citi Thank You Preferred.
$12,500 CL with Citi Thank You Premier
$15,000 CL with USAA AMEX
$15,000 CL with USAA MC
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Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
