Got rejected for the venture x. Not sure why? I have a venture and wanted to get the venture x because I have some big expenses coming. I got my venture about 3 years ago. Credit score is 820 .. they told me I would get a letter in a few days. The last card I got was Amex gold last year. Any ideas?

upliftinglikehelpful
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Weird. Theyre pretty risk averse overall and don’t give if you have a bunch of lines of credit

likehelpful

I am pissed tbh.

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If you game credit cards that’s probably why. If you have low credit utilization that’s probably why. Capital one wants users with credit card debt who pay the minimum. There are some good youtube videos explaining this in detail.

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I know. I am very surprised to be honest. CK even says I have excellent approval chances for the venture x.

Credit karma 😄

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Next time use the Venture X pre-approval link first. Cap One is one of the weirdest issuers. The only general rule is they like if you're 0/6. Other than that, could be anything.

My last credit card was 18 months ago 😢

Can I appeal this rejection?

On well screw them then. I will spend my money somewhere else 😂

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It could be because your line is too big on the venture card. Call and ask if they would approve you if you moved some of your limit from this card to that card

I will keep everybody posted.

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Found out more

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This doesn’t make any sense so I am calling Transunion to see what’s going on.

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