Quote from WheelaDealer : My credit score is over 800 and I was just rejected.. lol, what is going on with Capital One? Who even uses this loser bank.

Quote from StampedAurean : Income requirements

I've only ever been rejected for too many credit card applications in whatever period they are looking at. I've never been told my income was an issue.

I get rejected for almost everything🤣

No credit up until 9 months ago. Opened a secured discover it card. Decent cash back and great way to start credit. I've recently applied for the wells Fargo and Amazon cards, both denied. I may have tried Playstation, if so, also denied. Credit score is mid 700s but very limited credit obviously. Maybe this can help people that were where I was, and maybe others can help for the next step. I pay everything on time, I got my deposit back a few months ago, recently got approved for a PayPal card and looking for a next reasonable step. Hate cards, but necessary evil. If I'm going to do it, I eventually want to get up into these big league deals!

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Stupid Card

I have 820 credit score, never carry a balance and have 19 years credit history. My credit is spotless from the beginning. I used the Pre-Approval tool for Venture X and it said I'd get approved. After reading some reviews about how lounge access got worse, I chose the Venture card for $95 annual instead of $395. Got denied. It did ask me if I ever cary a balance, will balance transfer or if I'll use cash advance. I said no to all and got denied. What a waste of a hard pull.

Will wait it out and get the Sapphire. The sapphire was always nice.

Quote from steelstorm : You can definitely get some good deals transferring domestically as well but as you stated international travel you can get insane value. Aeroplan is a good partner to look into. I recently booked a United flight round trip from PIT to ORD for 6500 points, that's around a $250 ticket. In regards to international travel, also with Aeroplan booked a one way business class ticket JFK to BKK for 87500 points, the ticket cost $8899 before fees if I bought it outright. It's just silly what you can get points wise on award flights if you fly abroad and catch the postings at the right time.

So you transferred from Cap1 to Aeroplan and booked the United flights on AirCanada website? TIA.

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I was never denied a card until now, and I even had Capital One Venture card before.
Everything is exactly same as you, preapproved for Venture X, got shot down by Venture.

At least there is a letter you can read for their reasons. Mine was:

Based on your credit report from one or more of the agencies on the back of this letter,
number of bank cards tradelines opened in the last 24 months
· Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history

Quote from CheapPeasant : Stupid Card I have 820 credit score, never carry a balance and have 19 years credit history. My credit is spotless from the beginning. I used the Pre-Approval tool for Venture X and it said I'd get approved. After reading some reviews about how lounge access got worse, I chose the Venture card for $95 annual instead of $395. Got denied. It did ask me if I ever cary a balance, will balance transfer or if I'll use cash advance. I said no to all and got denied. What a waste of a hard pull. Will wait it out and get the Sapphire. The sapphire was always nice.

Is there anyone to monitor my bonus progression? I can't seem to find it anywhere

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Quote from ncsujen : Bigger bonuses. Then once it's time to renew, you downgrade to a no annual fee card.

Serious q.... when you say downgrade to a no annual fee card, does it mean I call them and ask to cancel this one or they move me to a new card (without new application)?

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My issue is. I have Amex and Boa cards opened over a decade. I want a card with no foreign transaction fees. I have some upcoming travels internationally.

So instead of applying for a new one can I have boa or amex.move my existing card to a different one?

If I need to apply what is a good travel based card?

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Quote from ck128 : Based on your credit report from one or more of the agencies on the back of this letter, number of bank cards tradelines opened in the last 24 months · Based on your credit report from one or more of the agencies on the back of this letter, there are too many active credit cards based on your loan history

Interesting. I was going to apply but have four open cards with 130k total credit limit, no balance. 830 CS. I'll be pissed if I'm denied.

Quote from CheapPeasant : Stupid Card I have 820 credit score, never carry a balance and have 19 years credit history. My credit is spotless from the beginning. I used the Pre-Approval tool for Venture X and it said I'd get approved. After reading some reviews about how lounge access got worse, I chose the Venture card for $95 annual instead of $395. Got denied. It did ask me if I ever cary a balance, will balance transfer or if I'll use cash advance. I said no to all and got denied. What a waste of a hard pull. Will wait it out and get the Sapphire. The sapphire was always nice.

What's your annual income? When I applied I had a low 700 score and I'm also only 23, so not much of a credit history. I think in my case my annual income played a huge role

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I got the bonus but if I choose to get cash back it doesn't return $750 but only get 2 miles to 1 dollar ratio.

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Quote from TalentedShow293 : Is there anyone to monitor my bonus progression? I can't seem to find it anywhere

That used to be on the front page when you log in, but it's been missing for a while. I called them about this a couple of weeks ago, and they had no idea when it would be fixed. For the time being, I guess we'll need to go by statement balances or do the math manually.

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Quote from TalentedShow293 : Is there anyone to monitor my bonus progression? I can't seem to find it anywhere

It doesn't seem as straight forward as it used to be but if you click on "view rewards" and then "earn activity" it will give you a summary that shows points earned with each transaction. It's easy for me because I hit my bonus goal with two transactions but it might be a bit more calculating if you have a lot of transactions.

Sigh. I applied for the Venture X after going through their pre-approval tool, but did not get instant approval. I'm stuck in a pending state now, and after calling into the application line they say I need to wait 7-10 business days for a letter in snail mail for next steps. What a bad experience..