Aug 2, 2022, 2:59 pm
C1 application process (all cards)
Jan 16, 2022 | 10:38 am
#166
Join Date: Dec 2021
Location: CMH
Programs: AA EP, DL Plat, JAL JMB Elite+
Posts: 273
I applied for CapOne Venture X and was approved on Monday January 10. The email I received said I would receive the card in 3 business days. It is now beyond 3 business days, but haven't received anything yet. Does anyone have recent datapoints on how long it takes to receive the card after approval? I want to receive the card and activate it soon, as I have a property tax payment that is due by Jan 31, 2022, and I want to put the payment on the Venture X to help meet the minimum spend.
Thanks.
Thanks.
Jan 16, 2022 | 10:40 am
#167
Join Date: Dec 2021
Location: CMH
Programs: AA EP, DL Plat, JAL JMB Elite+
Posts: 273
I couldn't have asked that better myself. 
It's not only interesting, it's highly problematic. I know dozen's of people's names, phone numbers and dates of birth (relatives, coworkers, neighbors, friends, enemies). That's all I (or anyone) need to maliciously add cards to those unsuspecting people's CRs. Their cards would arrive at my address; they would be none the wiser... until cards mysteriously appear on their CRs thanks to CapOne's laxity.
I wonder what would happen if you challenged that card, demanding its removal. (Not that you would, but hear me out.) I gather (correct me if I'm wrong -- as if) the reporting agency would then contact CapOne to verify the card was added legitimately. One wonders what CapOne would say. "Uhh, no, we don't have a SS#, but good golly we're kinda pretty sure that's probably maybe the right authorized user."
It's not only interesting, it's highly problematic. I know dozen's of people's names, phone numbers and dates of birth (relatives, coworkers, neighbors, friends, enemies). That's all I (or anyone) need to maliciously add cards to those unsuspecting people's CRs. Their cards would arrive at my address; they would be none the wiser... until cards mysteriously appear on their CRs thanks to CapOne's laxity.
I wonder what would happen if you challenged that card, demanding its removal. (Not that you would, but hear me out.) I gather (correct me if I'm wrong -- as if) the reporting agency would then contact CapOne to verify the card was added legitimately. One wonders what CapOne would say. "Uhh, no, we don't have a SS#, but good golly we're kinda pretty sure that's probably maybe the right authorized user."
I actually removed myself as an AU on my wifes account earlier this week. From what I've read it should be removed from my credit report within 30 days. I'll report back if that's actually the case.
Jan 19, 2022 | 12:26 pm
#168
Join Date: Dec 2015
Location: Rockies
Programs: UA Platinum, HHonors Diamond, Bonvoy occasionally Bonvoyed Mostly
Posts: 488
C1 application process (all cards)
I got rejected for the card. Actually pretty surprised. 800+ credit score, 100k+ income. Never had a late or missed payment for any card. Called reconsideration and was told they can't do anything till I get a letter explaining decision. Hung up and called again and got the same answer.
Jan 22, 2022 | 11:52 am
#169
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 5,221
C1 application process (all cards)
What are the thoughts on credit score requirements for this card? 790?
Last edited by EasternTraveler; Jan 23, 2022 at 5:43 pm
Jan 22, 2022 | 11:28 pm
#170
Join Date: Jun 2001
Location: The road less traveled
Programs: UA Gold MM, AA EXP, Delta Platinum, Marriott Titanium, HHonors Diamond, Natl EE, Hertz Platinum
Posts: 5,189
Friend was instantly approved at 670. She said that her score was down due to a few new cards in 2021 and recent high credit line utilization, but otherwise perfect payments, 25+ year credit record, etc.
Jan 24, 2022 | 9:56 am
#171
Join Date: Aug 2015
Posts: 2,091
C1 application process (all cards)
same issue happened to me in one of the airports I visited. They requested a physical card. I contacted Priority pass and this is part of the email I got
In the meantime, you can access our lounges with our Digital Membership Card which provides card-free access using a 2D barcode found in our smartphone app or in the My Account section of our website. The Digital Membership Card is now accepted at all of our lounges.
In the meantime, you can access our lounges with our Digital Membership Card which provides card-free access using a 2D barcode found in our smartphone app or in the My Account section of our website. The Digital Membership Card is now accepted at all of our lounges.
Jan 24, 2022 | 1:11 pm
#172
Join Date: Sep 2005
Location: JZRO
Posts: 9,175
Jan 24, 2022 | 2:17 pm
#173
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 5,221
Jan 24, 2022 | 7:47 pm
#174
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, WF, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 2,371
C1 application process (all cards)
Tried applying, but was declined. Equifax was frozen. 3/24. Reason will be provided in a letter.
Applied for Venture few years ago with the same result.
Applied for Venture few years ago with the same result.
Jan 25, 2022 | 6:21 am
#175
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 5,221
Jan 26, 2022 | 8:26 am
#176
Join Date: Sep 2005
Location: JZRO
Posts: 9,175
C1 application process (all cards)
Did she do this during application or later on? Ultimately, what I'd like to know is what does CapOne use as the AU card's open date? Does it backdate to the date that the original account was open (like Chase) or does it have its own open date when the AU card was added (like Amex)?
RNE, trusting that is as clear as mud.
Jan 30, 2022 | 3:48 pm
#177
Join Date: Aug 2005
Location: DFW
Posts: 1,280
C1 application process (all cards)
I made the same mistake and was declined. After receiving the letter, I made sure all three reports were open and wrote to Cap One for reconsideration. I was approved a week or so later.
Jan 31, 2022 | 8:51 am
#178
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, WF, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 2,371
C1 application process (all cards)
What was in a letter? I know a few people who applied with one of the bureaus frozen, and got approved.
Feb 1, 2022 | 11:33 am
#180
Join Date: Feb 2012
Posts: 4,631
There's no clock that depends on the card activation or first use. The clock starts when your account is approved, and AF is the first charge. But if you decide not to accept the contract after reading it, it's best that you don't use the card.