Jan 9, 2014, 3:27 pm
Last edit by: philemer
50,000 after $3,000 spend:
https://www.capitalone.com/credit-cards/travel-and-miles/
Capital One usually does a hard pull with all three credit bureaus.
If you have a security freeze on your report, they generally will not allow you to submit a code for this report to be viewable.
If you've held this card before, it looks like you can get this bonus again. Data points: 1, 2. YMMV
__________________________________________________ __________________________________________
Note on redemption: You can reimburse yourself for the same charge an unlimited number of times.
Note on point transfer: The ability to transfer points between CapOne accounts ended effective September 15, 2015
see: http://www.flyertalk.com/forum/25009158-post383.html
Below are some successful and unsuccessful reimbursements form the Arrival Plus page, many if not most should be applicable.
Successful
Don't forget travel purchase needs to be > $25 charge for 2,500 mile redemption
Successful
9/11 Museum and Memorial - NYC
Accuracy Limo (via Square, Salt Lake City, UTlimoservice)
ACE Adventures (West Virginia White Water Rafting), had to call in to get it processed manually
agoda.com
AirAsia Flights (airasia.com)
airbnb bookings
Alaska Airlines checked baggage fee $25 charge
Amazing Bike Tours Thailand
American Airlines telephone booking (including booking fee)
Amtrak train ticket >$25 (ALB-NYP)
Amtrak train ticket >$25 (unknown destinations)
Argosy Cruises (SEA, classified as RECREATION)
Autoeurope.com
BART (Bay Area Rapid Transit) San Francisco
Bieber bus tickets
Boston MBTA Charlie Card reload & Commuter Rail passes & tickets
Burj Khalifa observation decks
Buying Lifemiles from Avianca
Canada Transfers Cancun
Capitaine Train Tickets (capitaine.com)
Carmel Limo (NYC car service)
carrentals.com
cheaptickets.com hotel
Chinese Visa Application Fees (had to call in. Credit showed up in account in 2 business days. See Post 912 and 921 for details)
City Taxi (Tampa)
CostcoTravel
Cotai Waterjet (Hong Kong)
CT Limo
Daily Getaways purchase of HHonors points
DB Bahn Trains Germany (bahn.de)
Disneyland Hong Kong (Manual redemption required)
DriveNow - all locations in EU/US
Dublin Bus Tours Hop on, Hop off (Green)
Eiffel Tower (manual redemption by phone allowed)
Empire State Building tickets
Enterprise rent-a-car, paid at the counter when returning the car (used Chase United Visa initially for primary coverage, but asked to pay with a different card when returning the car)
Eurostar Train Tickets (eurostar.com)
Europcar.com
Expedia.com
Global Entry (Venture Rewards card)
Hertz Rent-a-Car (booked on hertz.com)
Hong Kong Airport Express Pass
Hotel bookings through Rocketmiles (even refundable bookings or those tied to other promotions)
Hotels.com
Hotels.com Gift Card (classified as BUSINESS SERVICES NOT ELSEWHERE CLASSIFIED).
Hotwire
ItaliaRail (online booking agency for TrenItalia)
LA Swamp Tours, Steamboat cruise, Haunted History Tours (New Orleans)
Lahaina-Maui Ferry Tickets - booked online at www.go-lanai.com
Las Vegas Show Booked through hotel
Las Vegas show tickets booked online (Mandalay Bay Box office)
Limo Charges - Two limo charges that I made in March PRIOR the the recent changes to what qualifies as "Travel" showed up as eligible travel charges. I guess with the changes to what's covered, and for how long, these got pulled back in.
Lyft
M-Life advance reservation deposit
Montway Auto Transport (deposit)
New York City MTA Subway Cards
New York Waterways Ferry (between NJ and NYC)
Ngong Ping 360 (Hong Kong)
Norwegian Cruise Line purchase made from telephone order from vacationstogo.com
Norwegian Cruise Line (deposits and payments)
NS Hispeed Train Tickets (nshispeed.com)
NYC Taxi
Orbitz.com purchase
ORCA card for Seattle area tolls (considered the very typical GOVERNMENT SERVICES NOT ELSEWHERE CLASSIFIED)
The Parking Spot LAX
Paris RATP Metro/VATP (buy 10-ticket pack for >$25 and save cost)
PMRF Beach Cottages (Kauai)
Priceline
Primetime Shuttle (Worked from LAX-SNA)
rail europe on Travelocity
rail JR Rail in Japan, load as tourist attraction, call in to get it credit (Post#938)
Safari Helicopter Tour (Kauai)
Sandals.com resort booking (unique vacations) was not redeemable last year. Is redeemable online now
SEASTREAK LLC - NYC (Commuter Ferri)
Singapore Cable Car
Southwest Early Bird Check-in (billed separately from airfare charges)
Spirit of NY Dinner Cruises - www.spiritcruises.com, which have cruises in several other cities as well.
Starwood Vacation Ownership (SPG Timeshare) Westin Princeville Kauai (coded as Timeshare).
St Pauls Cathedral (manual redemption by phone allowed)
Super Shuttle (mixed, worked in SF when (billed SUPERSHUTTLE EXECUCARS), worked in Boston (SUPERSHUTTLE BOSTON), failed in LA (SUPERSHUTTLE)
Taxi in Zürich
Top of the Rock tickets - NYC
Trenitalia Online
Trimet (Portland OR public transportation)
TurboJET (Hong Kong)
Uber
United Baggage Fee
Universal Studio Orlando tickets (had to call in)
Viator (sightseeing/tours)
Victoria Clipper (passenger ferry)
Wedding at the Stratosphere's Chapel in the Clouds (billed as stratosphere)
Windsor Castle (manual redemption by phone allowed)
Wine purchases from different wine tasting rooms
WMATA (Washington DC Metro) - [reconfirmed 10/5/15]
Zipcar
Unsuccessful
www.b-europe.com (SNCB rail)
Amtrak (possibly due <$25 charge)
Blue Water Rafting. Merchant category "Recreation Services -- Not elsewhere classified"
Brazil airline GOL booked online codes as DIRECT MARKETING/DIRECT MARKETERS--NOT ELESWH ..
Car2go
De Palm Tours, Aruba (classified as Recreation. Called Barclay twice.)
Description: ZERVE *CA WHALES Merchant Category: THEATRICAL PRODUCERS (EXCEPT MOTION PICTURES), TICKET AGENCIES...Tickets to whale watching tour purchased over the phone.
Evan Evans Sightseeing tours (UK based)- http://www.evanevanstours.co.uk
Fastrak tag autoload for San Francisco bridge tolls ($25)
Gotobus.com Long Distance Buses, ~$100
Homeaway.com, posts as real estate. Barclays said they'd make a one-time exception but future purchases won't count as travel.
Hostelbookers.com deposit (maybe the charge which is >$25 will count?)
IHG points and cash hotel redemption
Malaysian Overnight Train KUL-SIN (ktmb.com.my)
Monterey Aquarium
Parking at HSV ($96 in parking at Huntsville International Airport)
Parking at IAH (Houston Intercontinental - on airport) -$76 (PARKING LOTS AND GARAGES)
Parking at LAS
Parking at Port Imperial, Weehawken, NJ
Parking at SNA (John Wayne Airport)
San Francisco Clipper Card public transit (autoload from website)
Skyjump at Stratosphere Hotel LV $150 (01/14) - not charged by hotel.
Space Needle and Chihuly Garden Tickets
Starwood points purchase (BUSINESS SERVICES NOT ELSEWHERE CLASSIFIED)
Taxi Magic /Curb- Taxi service
Thello train (France-Italy night train, codes as rail-freight)
Trenitalia (both online and in stations, posts as rail-freight)
https://www.capitalone.com/credit-cards/travel-and-miles/
Capital One usually does a hard pull with all three credit bureaus.
If you have a security freeze on your report, they generally will not allow you to submit a code for this report to be viewable.
If you've held this card before, it looks like you can get this bonus again. Data points: 1, 2. YMMV
__________________________________________________ __________________________________________
Note on redemption: You can reimburse yourself for the same charge an unlimited number of times.
Note on point transfer: The ability to transfer points between CapOne accounts ended effective September 15, 2015
see: http://www.flyertalk.com/forum/25009158-post383.html
Below are some successful and unsuccessful reimbursements form the Arrival Plus page, many if not most should be applicable.
Successful
Don't forget travel purchase needs to be > $25 charge for 2,500 mile redemption
Successful
9/11 Museum and Memorial - NYC
Accuracy Limo (via Square, Salt Lake City, UTlimoservice)
ACE Adventures (West Virginia White Water Rafting), had to call in to get it processed manually
agoda.com
AirAsia Flights (airasia.com)
airbnb bookings
Alaska Airlines checked baggage fee $25 charge
Amazing Bike Tours Thailand
American Airlines telephone booking (including booking fee)
Amtrak train ticket >$25 (ALB-NYP)
Amtrak train ticket >$25 (unknown destinations)
Argosy Cruises (SEA, classified as RECREATION)
Autoeurope.com
BART (Bay Area Rapid Transit) San Francisco
Bieber bus tickets
Boston MBTA Charlie Card reload & Commuter Rail passes & tickets
Burj Khalifa observation decks
Buying Lifemiles from Avianca
Canada Transfers Cancun
Capitaine Train Tickets (capitaine.com)
Carmel Limo (NYC car service)
carrentals.com
cheaptickets.com hotel
Chinese Visa Application Fees (had to call in. Credit showed up in account in 2 business days. See Post 912 and 921 for details)
City Taxi (Tampa)
CostcoTravel
Cotai Waterjet (Hong Kong)
CT Limo
Daily Getaways purchase of HHonors points
DB Bahn Trains Germany (bahn.de)
Disneyland Hong Kong (Manual redemption required)
DriveNow - all locations in EU/US
Dublin Bus Tours Hop on, Hop off (Green)
Eiffel Tower (manual redemption by phone allowed)
Empire State Building tickets
Enterprise rent-a-car, paid at the counter when returning the car (used Chase United Visa initially for primary coverage, but asked to pay with a different card when returning the car)
Eurostar Train Tickets (eurostar.com)
Europcar.com
Expedia.com
Global Entry (Venture Rewards card)
Hertz Rent-a-Car (booked on hertz.com)
Hong Kong Airport Express Pass
Hotel bookings through Rocketmiles (even refundable bookings or those tied to other promotions)
Hotels.com
Hotels.com Gift Card (classified as BUSINESS SERVICES NOT ELSEWHERE CLASSIFIED).
Hotwire
ItaliaRail (online booking agency for TrenItalia)
LA Swamp Tours, Steamboat cruise, Haunted History Tours (New Orleans)
Lahaina-Maui Ferry Tickets - booked online at www.go-lanai.com
Las Vegas Show Booked through hotel
Las Vegas show tickets booked online (Mandalay Bay Box office)
Limo Charges - Two limo charges that I made in March PRIOR the the recent changes to what qualifies as "Travel" showed up as eligible travel charges. I guess with the changes to what's covered, and for how long, these got pulled back in.
Lyft
M-Life advance reservation deposit
Montway Auto Transport (deposit)
New York City MTA Subway Cards
New York Waterways Ferry (between NJ and NYC)
Ngong Ping 360 (Hong Kong)
Norwegian Cruise Line purchase made from telephone order from vacationstogo.com
Norwegian Cruise Line (deposits and payments)
NS Hispeed Train Tickets (nshispeed.com)
NYC Taxi
Orbitz.com purchase
ORCA card for Seattle area tolls (considered the very typical GOVERNMENT SERVICES NOT ELSEWHERE CLASSIFIED)
The Parking Spot LAX
Paris RATP Metro/VATP (buy 10-ticket pack for >$25 and save cost)
PMRF Beach Cottages (Kauai)
Priceline
Primetime Shuttle (Worked from LAX-SNA)
rail europe on Travelocity
rail JR Rail in Japan, load as tourist attraction, call in to get it credit (Post#938)
Safari Helicopter Tour (Kauai)
Sandals.com resort booking (unique vacations) was not redeemable last year. Is redeemable online now
SEASTREAK LLC - NYC (Commuter Ferri)
Singapore Cable Car
Southwest Early Bird Check-in (billed separately from airfare charges)
Spirit of NY Dinner Cruises - www.spiritcruises.com, which have cruises in several other cities as well.
Starwood Vacation Ownership (SPG Timeshare) Westin Princeville Kauai (coded as Timeshare).
St Pauls Cathedral (manual redemption by phone allowed)
Super Shuttle (mixed, worked in SF when (billed SUPERSHUTTLE EXECUCARS), worked in Boston (SUPERSHUTTLE BOSTON), failed in LA (SUPERSHUTTLE)
Taxi in Zürich
Top of the Rock tickets - NYC
Trenitalia Online
Trimet (Portland OR public transportation)
TurboJET (Hong Kong)
Uber
United Baggage Fee
Universal Studio Orlando tickets (had to call in)
Viator (sightseeing/tours)
Victoria Clipper (passenger ferry)
Wedding at the Stratosphere's Chapel in the Clouds (billed as stratosphere)
Windsor Castle (manual redemption by phone allowed)
Wine purchases from different wine tasting rooms
WMATA (Washington DC Metro) - [reconfirmed 10/5/15]
Zipcar
Unsuccessful
www.b-europe.com (SNCB rail)
Amtrak (possibly due <$25 charge)
Blue Water Rafting. Merchant category "Recreation Services -- Not elsewhere classified"
Brazil airline GOL booked online codes as DIRECT MARKETING/DIRECT MARKETERS--NOT ELESWH ..
Car2go
De Palm Tours, Aruba (classified as Recreation. Called Barclay twice.)
Description: ZERVE *CA WHALES Merchant Category: THEATRICAL PRODUCERS (EXCEPT MOTION PICTURES), TICKET AGENCIES...Tickets to whale watching tour purchased over the phone.
Evan Evans Sightseeing tours (UK based)- http://www.evanevanstours.co.uk
Fastrak tag autoload for San Francisco bridge tolls ($25)
Gotobus.com Long Distance Buses, ~$100
Homeaway.com, posts as real estate. Barclays said they'd make a one-time exception but future purchases won't count as travel.
Hostelbookers.com deposit (maybe the charge which is >$25 will count?)
IHG points and cash hotel redemption
Malaysian Overnight Train KUL-SIN (ktmb.com.my)
Monterey Aquarium
Parking at HSV ($96 in parking at Huntsville International Airport)
Parking at IAH (Houston Intercontinental - on airport) -$76 (PARKING LOTS AND GARAGES)
Parking at LAS
Parking at Port Imperial, Weehawken, NJ
Parking at SNA (John Wayne Airport)
San Francisco Clipper Card public transit (autoload from website)
Skyjump at Stratosphere Hotel LV $150 (01/14) - not charged by hotel.
Space Needle and Chihuly Garden Tickets
Starwood points purchase (BUSINESS SERVICES NOT ELSEWHERE CLASSIFIED)
Taxi Magic /Curb- Taxi service
Thello train (France-Italy night train, codes as rail-freight)
Trenitalia (both online and in stations, posts as rail-freight)
Capital One Venture & other Cap 1 cards (50K for $3k spend)[Consolidated]
Jun 12, 2015, 12:18 pm
#376
Join Date: Oct 2009
Location: Washington DC
Programs: AA Nothing, Marriott Gold
Posts: 581
- You can redeem the same purchase multiple times to use up points
- Redeem for purchases under $25 (well full purchases - partial redemptions are limited to a minimum of $25)
Jun 16, 2015, 6:37 pm
#377
Join Date: Jul 2012
Location: Heaven
Posts: 552
You can redeem a single travel expense over and over. Let's say you spend $100 on travel. You can then spend $900 on ANYTHING else and redeem that $100 travel expense 10 times to cover the $1000.
Don't limit yourself to only travel expenses unless you have $1000 in travel coming up.
Don't limit yourself to only travel expenses unless you have $1000 in travel coming up.
Jun 16, 2015, 9:52 pm
#378
Join Date: May 2015
Posts: 441
Hmm, I would not say slightly better. However, they do compliment each other well. The extra 0.2% on Arr+ makes a huge difference to me though, which equates to hundreds of extra $'s per year in my pocket. I know most people do not put well into the 6 figures on this card, but an extra $100 per $100k spend adds up quickly.
Jun 19, 2015, 12:39 pm
#379
Join Date: Nov 2010
Programs: platinum card
Posts: 55
Denied again
I have an Amex plat business, hsbc Mastercard.
Was just approved chase sapphire and an Amex premier gold.
Guess what, I was denied a capital one quicksilver card for the 4th time. Last time I tried was 2 years ago. I have a big chunk of change in their bank and it makes no sense I'd be denied. Think I'm going to stop trying..
Was just approved chase sapphire and an Amex premier gold.
Guess what, I was denied a capital one quicksilver card for the 4th time. Last time I tried was 2 years ago. I have a big chunk of change in their bank and it makes no sense I'd be denied. Think I'm going to stop trying..
Jun 19, 2015, 5:14 pm
#380
Join Date: May 2015
Posts: 21
Based on some things I read on the myFico forums and my personal experience, I think Capital One is looking for low-ish credit scores and hoping those customers will end up carrying a balance and being profitable customers. My credit score right now is around 700 (recovering from a big batch of applications over the last 6 weeks or so, was around 750 before that on all 3 bureaus) with the last application being for the Venture Card. They approved me instantly with my highest credit limit to date....Now I'm just waiting for the card to come in the mail! (I do have a checking account with them but it's never had more than a few hundred dollars in it so I doubt that's a factor. I just like their mobile check deposit, which my primary bank does not offer.)
So, anyone looking for a fixed value travel rewards card who is afraid they wouldn't qualify for the Arrival+ (I don't think I would right now, they keep telling me I have sufficient credit with Barclay's) - give the Venture a try, you might be surprised!
So, anyone looking for a fixed value travel rewards card who is afraid they wouldn't qualify for the Arrival+ (I don't think I would right now, they keep telling me I have sufficient credit with Barclay's) - give the Venture a try, you might be surprised!
Jun 19, 2015, 7:52 pm
#381
Join Date: Dec 2009
Posts: 74
jlynmriep, there's no doubt that CapOne is dancing to a different beat than other CC issuers. I have a FICO in the 670-700 range, depending on the bureau. I did an AoR two weeks ago and got these credit limits:
Discover It: $1500
Barclay Wyndham: $1000
Citi AA: $3000
CapOne Venture: $15,000
If you go to creditboards.com, there are tons of similar stories of CapOne giving out extremely high credit limits. There are also a number of reports of Capital One denying people whose credit is too good. They want people who are going to carry a balance and pay interest, maybe even get behind a month or two, but who will ultimately pay their bills. If my FICO were above 750, I'd be afraid of rejection.
Discover It: $1500
Barclay Wyndham: $1000
Citi AA: $3000
CapOne Venture: $15,000
If you go to creditboards.com, there are tons of similar stories of CapOne giving out extremely high credit limits. There are also a number of reports of Capital One denying people whose credit is too good. They want people who are going to carry a balance and pay interest, maybe even get behind a month or two, but who will ultimately pay their bills. If my FICO were above 750, I'd be afraid of rejection.
Jun 21, 2015, 4:06 pm
#382
Join Date: Jan 2015
Posts: 24
Just got back from a trip to France with my chipped Venture card. Worked everywhere I tried it (Restaurants, shops, the toll roads up to Normandy etc) - even a vendor at a random street market who had a credit machine. I never once got denied (well once on a toll road but we figured out it the company that owned this particular toll road was Amex only).
Did not try it at the 24/7 unmanned gas stations or the Paris Metro terminals - my girlfriend was paying for those portions and she has the Arrival+, which is chip and pin.
Did not try it at the 24/7 unmanned gas stations or the Paris Metro terminals - my girlfriend was paying for those portions and she has the Arrival+, which is chip and pin.
Jun 22, 2015, 10:21 am
#383
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,469
Some bad news (from an email):
This is really disappointing for me.
Recently, we’ve been working to provide you with even better ways to manage and redeem your rewards. As we update our program, we’ll be making changes to some redemption features you may have used in the past.
As of September 15, 2015, the following redemption options and features will change:
• If you gave someone else permission to redeem rewards on your behalf, they will no longer be able to do so as of September 15, 2015. You’ll need to redeem your own rewards after that time.
• The ability to transfer rewards from one Capital One® account to another will be unavailable; however, we know this feature is important to our customers and will be working to bring it back at a later date.
As of September 15, 2015, the following redemption options and features will change:
• If you gave someone else permission to redeem rewards on your behalf, they will no longer be able to do so as of September 15, 2015. You’ll need to redeem your own rewards after that time.
• The ability to transfer rewards from one Capital One® account to another will be unavailable; however, we know this feature is important to our customers and will be working to bring it back at a later date.
Jun 22, 2015, 1:08 pm
#384
Join Date: Oct 2009
Location: Washington DC
Programs: AA Nothing, Marriott Gold
Posts: 581
The regular Venture - but the VentureOne has the same chip/signature technology.
Jun 28, 2015, 3:46 am
#385
Join Date: Feb 2015
Location: Pennsylvania
Posts: 70
Redeeming Capital One Venture & Spark Business Mile for Cash
Does anyone know at rate the points become if I try to redeem them for a statement credit/cash/or gift cards? I know the Venture gives 40k points/miles and the Spark Business gives 50k points/miles. I know that the Barclay Arrival + for examples essentially cuts the value in half when I redeem them for cash. I.e. My 48k points=$240. I was wondering the same for these two cards. I haven't applied for these cards yet. I wanted to know what there redemption values would be if I redeemed for cash. I already have tons of travel cards (and I dont even travel much)!
Thanks!
[MODERATOR NOTE: Question merged with existing thread.]
Thanks!
[MODERATOR NOTE: Question merged with existing thread.]
Last edited by MDtR-Chicago; Jun 29, 2015 at 7:53 am
Jun 30, 2015, 4:48 pm
#386
Join Date: Sep 2013
Location: SMF
Posts: 1,251
Apparently Ben Affleck and Jennifer Garner just filed for divorce, I can't help but wonder if it's all because of the Venture Card.
Affleck: Are you kidding me? You said you were bringing miles to the table, these aren't miles!
Garner: What do you mean they aren't miles? You can use them on any flight, anytime, there's no blackout dates!
Affleck: Oh there you go again with the no blackout dates! Just call them cash-back Jennifer, let's just call it what it is. This is why we'll never work, you can't see things the way they really are?
Garner: Fine, but I'm taking my Venture miles with me!
Affleck: Ha, see if I care, good luck getting to Europe in First with those!
Affleck: Are you kidding me? You said you were bringing miles to the table, these aren't miles!
Garner: What do you mean they aren't miles? You can use them on any flight, anytime, there's no blackout dates!
Affleck: Oh there you go again with the no blackout dates! Just call them cash-back Jennifer, let's just call it what it is. This is why we'll never work, you can't see things the way they really are?
Garner: Fine, but I'm taking my Venture miles with me!
Affleck: Ha, see if I care, good luck getting to Europe in First with those!
Jul 1, 2015, 8:14 am
#387
Join Date: Feb 2014
Posts: 68
Just wanted to confirm a few things that I had trouble finding when looking for info before applying.
This card is very churnable, I got two by applying on the same day.
Applying on the same day will not result in combined credit pulls. My second app was run a week later, and re pulled CRs.
Points post instantaneously once charge posts. Makes it easy to redeem for line items that were part of the minimum spend.
Hope this is helpful to some.
Cash redemptions are half price (40k miles = $200). Even someone with a $20 taxi ride shouldn't need to take the cash redemption option, as redemptions can be repeated against the same charge.
This card is very churnable, I got two by applying on the same day.
Applying on the same day will not result in combined credit pulls. My second app was run a week later, and re pulled CRs.
Points post instantaneously once charge posts. Makes it easy to redeem for line items that were part of the minimum spend.
Hope this is helpful to some.
Does anyone know at rate the points become if I try to redeem them for a statement credit/cash/or gift cards?
Last edited by shinypenny01; Jul 1, 2015 at 8:47 am
Jul 1, 2015, 9:53 am
#388
Join Date: Feb 2013
Location: CMH, West Coast
Programs: AA Executive Platinum, oneworld emerald
Posts: 2,741
Mine two Venture apps on the same day definitely resulted in only one hard credit pull (well, one hard pull from each of the three bureaus).
Jul 1, 2015, 10:18 am
#389
Join Date: Feb 2014
Posts: 68
I got first auto approved, second pending. Called recon, said the process took a while, and that I could not speak to the credit analyst making the decision (called twice, same answer). The awarded me the second card 6 days later without me confirming any info, they re pulled the credit bureaus at that time.
Always interesting to hear those who had different experience.
Jul 9, 2015, 4:22 pm
#390
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
Sorry to hear that. But such is life and I've learned not to punish myself for other people's mistake/problem. For example, Capital One does not seem to want my business. I didn't jump on the Venture card huge bonus a number of years ago but decided to applying for Quick Silver last year and again Venture this year, and I was rejected both times. Perhaps my score is too high and spending pattern does not fit their business model. There is nothing I can do about it so I just let it go and move on.
You should contact the CapOne Social Media Team. If their functions have not changed over the past few years, they ARE the group that can REALLY help you.
CapOne's Venture offer a few years ago was designed to aim at the upper market applicants. However it did not have the usual infrastructure to handle denial and recon. At the time we applied the cards, we had a very sizable cash deposit at the bank thanks to the very decent yield. Husband got an instant denial, literally within 2 seconds. He was super upset as his credit profile is identical to mine with the only difference being age.
The bank side was super sympathetic but they could not seem to penetrate the credit card side. We were lied to multiple times by phone reps about reconsideration until one supervisor finally told me the truth - there was no such thing called reconsideration - whatever the computer spit out, it was final. He profusely apologized for the lies fed to us by previous reps/supervisors. I was about to give up but decided to do some googling. Found an obscure site that the discussion mentioned about CapOne's Twitter team being very empowered. I signed up Twitter account specifically for contacting CapOne Social Media Team.
The Social Media Team rep contacted me within an hour after I twitted and asked for DM then gave brief details via DM. She said the team directly reported to the Exec Office and worked with many depts internally. She was very good to keep us informed. We did agree on another HP but it did not ever happen. Within 36 hours husband was approved the card with 30K CL, the highest CapOne would offer according to her.
In order to get that bonus you would need to upload your FF statement via a special webpage that requires a code to access the upload function. We would be on a cruise ship crossing the Atlantic where the internet connection would be really poor to none in the first 8 days. On top of that the deadline of submission was fast approaching. We explained this to her. She gave her direct phone number and the fax number, should we miss the deadline we can contact her upon our return.
Before our departure I wrote a long email to CapOne's exec office to let them know they have a wonderful employee working at their Social Media Team. Got the email response about the team members are the top employees picked from the organization and are empowered to solve issues.
When the ship hit Madeira, an island in the middle of Atlantic, we had good enough internet speed to check emails, found the code and uploaded the document. We also went on shore and mailed the hard copy. Upon our return we wrote a long letter to once again give our praise to the rep but also pointed out the lacking of CapOne's procedures. Dont know if it would even be read but at least that made us feel better to say a heart-felt thank you to the rep who went above and beyond to help us, and hope the management would take some notes in improving their credit card approval process if they want to compete with other banks in the major league.
It was because of this gesture, we decided to keep our cards with CapOne thru downgrading the Venture to Mastercard Reward (1% and 0.5% annual rebate). Eventually the MC were converted to QS. We have not used the cards for almost a year but now start using them again.
To be fair, CapOne's banking side has always been very good to us. Even though we no longer have large deposit with them, we continue to maintain our accounts with them. If we live in Maryland or Virgina, I 100% sure would bank with them at the branch level.