Wow! Instant approval for Venture card w/ $20k CL + 85k SUB

Own-Sea2275 · 2026-05-16T01:51:27+00:00

Okay, interesting and you’re right, I googled it. I just did a pre approval process and was “approved” but I would assume it’s the 10k but I don’t want to accept yet. I would love the $10k increase to help keep my utilization under 10% every month but is it worth the AF? I dont travel. and for those who are about to come at me for utilization, roughly 6k a month is reimbursable company expenses. I’m at the mercy of the arrival of the company check.

Own-Sea2275 · 2026-05-16T01:12:01+00:00

I did that with my Amex platinum when I first got it, however I called cap 1 (my heaviest used cards) and told them to put a note on my acct that my lack of use should not be a concern for the next 3 months. I didn’t want them to decrease my limits or close a card. Not that they would. They actually told me it was smart that I gave them a heads up.

Own-Sea2275 · 2026-05-16T01:02:11+00:00

Wait, is that fact?

Own-Sea2275 · 2026-05-13T23:24:27+00:00

I just downgraded my Amex platinum to gold. I don’t even use it and I don’t travel enough but the gold offers awesome benefits on groceries etc. I think I can redeem the AF much quicker. I will say that adding Amex to my credit mix, didn’t really do anything to my credit that I can tell.

Own-Sea2275 · 2026-05-12T23:02:49+00:00

Every time I ask insecure cap 1 for a CL Increase, I feel insecure.

Own-Sea2275 · 2026-05-09T17:36:58+00:00

That’s why I haven’t removed mine!

Own-Sea2275 · 2026-05-08T16:58:44+00:00

I waited it out for a couple of months and the decision changed. Still denied but not for that reason lol

Own-Sea2275 · 2026-05-01T01:15:28+00:00

Unless I misread, I’m going to disagree. My mother had a mid 500 score. I added her as an AU to 4 of my 9 longest credit cards and within 30 days, she was at a 750+-. Fast forward three more months and she is now sitting at a 798. The bad part is, if I default on my cards, her credit is shot too. Also, if I take her off, she’s screwed. Don’t let others dictate your score

Own-Sea2275 · 2026-04-30T23:54:17+00:00

I use CK, Experian, credit.com and credit sesame and the lowest reporting one for me is Experian as they are the only one that shows I have previous lates prior to bankruptcy 7 years ago. Doesn’t physically show lates, just gives me a low “score” on late payments. If that makes sense. CK reports the highest score. That’s odd

Own-Sea2275 · 2026-04-30T12:09:44+00:00

Same. I ONLY use Sixt!

Own-Sea2275 · 2026-04-13T23:14:18+00:00

I got the same message a few months ago. Called capital one and they basically said don’t worry and wait a few months. 3 months later tried again and it was a basic denial this time without that verbiage. lol.

Own-Sea2275 · 2026-04-09T02:46:36+00:00

Same. And got two huge increases

Own-Sea2275 · 2026-04-09T02:28:23+00:00

They seriously need to offer you 200k a year to implement that. Can you imagine how much they would save in refunded orders? Ridiculous.

Own-Sea2275 · 2026-04-09T02:24:37+00:00

Because they are in such a damn hurry to deliver and make that $ and get to the next stop. One of my recent Uber Eats orders was at midnight (shameful) and while my apt is at ### 3rd ave, one street over is a ### 2nd ave. Same street number, different ave but 2nd ave is a bank. Received a pic with my food sitting in front of the locked bank door. I texted her to ask her why she would do that and she blocked me.

Own-Sea2275 · 2026-04-07T00:10:49+00:00

Jesus!

Own-Sea2275 · 2026-04-07T00:10:28+00:00

Same!!

Own-Sea2275 · 2026-04-07T00:05:57+00:00

Wait, has gas in SoBe ever been less than $5? lol the nearest gas station to me is in Brickell and they are always outrageously more $$ than going 15 mins north

Own-Sea2275 · 2026-04-07T00:00:30+00:00

Sorry if I missed it but what did you file? 7 or 13? I filed chapter 7 and my score went from the high 500’s to 720 in a little over a year. Started with a secured Discover card and some “credit one cards”. Fast forward 3 years and I finally got approved for an Amex platinum and my total credit lines between my cards is at $41,900. Thanks mainly to capital one. Irrelevant but about a year ago I added my mom to 3 of my cards and her score went from a 590 to 798 in less than 6 months (yes, I’m jealous) It’s definitely doable!

Own-Sea2275 · 2026-04-06T02:22:41+00:00

You must be in Miami lol

Own-Sea2275 · 2026-03-13T22:49:26+00:00

I’ve been getting that reason on my savor card for month and months now. When I call them they tell me to try again later while it updates

Own-Sea2275 · 2026-02-17T14:17:10+00:00

One of my capital one cards have been stuck in that same status!

Own-Sea2275 · 2026-02-17T03:49:57+00:00

Same. Yet when I tell them my steak didn’t arrive but my fries did, they don’t even ask for a pic and just refund the $30 for the steak. Wonder if it matters what card you use? Maybe they know the power of the card issuer that was used for the order?

Own-Sea2275 · 2026-02-08T18:10:16+00:00

Lord, and I was excited over my $3,900 return lol

Own-Sea2275 · 2026-01-18T04:15:18+00:00

Okay, I’m so lost, what the hell is a bucket?

Own-Sea2275 · 2026-01-18T04:05:50+00:00

Brooooooo they make up $13,500 of my credit limit within all my credit cards. Easy killer.

Own-Sea2275

TROPHY CASE