ffI

in our experience - 8 player family mode - 7 for venture X first - no issues then got the Cash PLUS 300k after meeting 10k spend
Player 8 got the Cash PLUS first (300k bonus- did not want to wait) - Venture X declined - reapplied 6 months later - approved

A few have 2 cards from Cap one before application
I think during rollout they approved a lot of Venture X easily - that may not be repeated - as in the past they have been very hard to get approvals.
I can not speak for all 8, but I think for most the other card applications were going full tilt in the meantime in between the C1 cards

ffI

Guilty as charged - Citi recently denied me a card - I should have downgraded at start of pandemic rather than close the Citi cards
But diuring roll out of the Venture X and the Cash PLUS it was not an issue

happychic

Sigh. This is me. I just applied for Venture X and was denied. I had been "gardening" my profile for a few months just to apply to this card, since I found out I was to have a long layover at DFW in my upcoming travel plan. I want to go to the C1 DFW lounge to chill during my layover (who needs a stinky Amex lounge).


New accounts in the last 24 months: 5 (plus 3 Amex Biz Plats)
Score: 810 range
Inquiries: EX12 EQ4 TU4
Utilization: 1% typically
Active accounts: 12 open (3 as AU) + mortgage + 16 closed
Average age of credit: 7+ years
Oldest active account: ~30 years
Total extended credit: $60k + mortgage
Previous C1 experience: AU on spouse's Quicksilver card

Instant denial.

I will call recon after I receive said letter.

dayone

If some of those are recent, my money is on that as the reason for the denial.

philemer

My profile is very similar to yours except that I have never been a AU on any CapOne cards and my inquiries on EX were only 4. I was instantly approved. Go figure. Why are your EX inquiries so high (12)? Don't they drop off after abt 24 months? That could be your problem.

happychic

They are not too recent.

0/6
2/12
5/24

Jan 2022
Nov 2021
​​​​​Jan 2021
Dec 2020
Dec 2020

happychic

Where I live (CA) Chase and Amex always pull from EX. I had a couple of denials from Chase and Amex, most notably Chase biz cards. The other inquiries are from my "normal" card app credit pulls and mortgage refi inquiries.

opus2002

I got the Capital One Venture X in Feb 2022. I would like the Venture card, which has a 75k point bonus offer now. So, I checked for pre-approvals from Capital One. Venture doesn't show up. Does that mean if I apply for the Venture, I will be denied?

opus2002

Thanks for data point. I am looking to get the Capital One Venture too. I got the Venture X in Feb 2022. How many cards have you got in x/6, y/12, z/24?

GundamWing01

could you give us insight into freezing 1/3 CRAs? did u let cap1 pull all 3? also, for the business, did you do EIN and instant approval? curious if any recon / interrogation was required for any players and biz docs?

Boraxo

I got a "denial" letter from the pre-approval page(!) because C1 was unable to do a soft inquiry due to a permanent freeze on my CRA reports. If I unfreeze the reports can I revisit the online pre-approval process or is it one-and-done for some period of time? Also not sure if I am barred from just applying directly for a card (or by phone) after failing the pre-approval.

tpsmith82

Not sure if your looking for numbers prior to these application, but just so you know, these will be without the C1 Venture approval, but up until that date.

P1 - 0/6 2/12 3/24

P2 - 1/6 2/12 5/24

happychic

To follow up on my C1 Venture X application, I called recon to see about having my app re-evaluated. I talked to two different reps. Both were courteous but they both had the same message: all they could do is to re-submit my application again. C1 does not have any underwriters, whatever the computer says, sticks. This seems to align with previous reports of recon calls from earlier C1 threads.

After my second attempt, I used P3's info to apply for Venture X. Instant approval with $10k limit.

P3 is retired, has a small fraction of income that I do, but has a total credit limit larger than mine. He has 9 open credit accounts, 7 closed. 1% utilization. Credit score also around 810 range. 1/6, 3/12, 3/24. No prior relationship with C1.

I added myself as AU to P3's new Venture X card. The form did not ask for my SSN, so hopefully this card will not appear on my credit profile. Cards should arrive next week.

I hope this helps someone. C1 is... interesting.

mia

Nonetheless, it will. See here and there are other reports: https://www.flyertalk.com/forum/33903248-post157.html

MaxVO

Somehow I always correlated C1 approvals with lack of interest -- i.e. when a person hasn't applied for their products in a year, that's reason for them to approve. Nothing else seems to make a difference.