So I just had my 6th Venture X statement a few days ago and paid it yesterday. As some of y'all may remember it's my 3rd Cap One card and I was on the lower end of VX approvals at the 10k min and highest apr (likely due to my dirty profile). Just wanting to get some realistic feedback as to whether I can expect anything or if I should be planning on getting shot down by Capital One. Through the first 6 months have been reporting about $1400/mo utilization with slightly higher usage and PIF. In a pinch I could give it more spend but I'd be nerfing my earnings as it would be coming from SavorOne and BCP categories earning more. The current plan is to take a shot in March when I can likely update income a bit. Overall been reporting 2/5 and keeping aggregate utilization in the 8% range.
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Prepping for Capital One CLI request

1 of 5
8 months ago
Thu Jan 11, 2024 1:14 am
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EvenBetterThanTheRealThing
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Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 34 minutes Next Level in4 days, 3 hours, and 26 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 26 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 26 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 26 minutes
So I just had my 6th Venture X statement a few days ago and paid it yesterday. As some of y'all may remember it's my 3rd Cap One card and I was on the lower end of VX approvals at the 10k min and highest apr (likely due to my dirty profile). Just wanting to get some realistic feedback as to whether I can expect anything or if I should be planning on getting shot down by Capital One. Through the first 6 months have been reporting about $1400/mo utilization with slightly higher usage and PIF. In a pinch I could give it more spend but I'd be nerfing my earnings as it would be coming from SavorOne and BCP categories earning more. The current plan is to take a shot in March when I can likely update income a bit. Overall been reporting 2/5 and keeping aggregate utilization in the 8% range.
EvenBetterThanTheRealThing
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Re: Prepping for Capital One CLI request

2 of 5
8 months ago
Thu Jan 11, 2024 1:24 pm
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Saeren
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Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 34 minutes Next Level in15 days, 3 hours, and 26 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 26 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 26 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 26 minutes
Capital One usually wants to see way more spending than that honestly. They're one of the stingiest around with CLIs.
Saeren
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Re: Prepping for Capital One CLI request

3 of 5
8 months ago
Tue Jan 16, 2024 1:02 am
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EvenBetterThanTheRealThing
Seasoned Rebel
Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 34 minutes Next Level in4 days, 3 hours, and 26 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 26 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 26 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 26 minutes
Saeren wrote: ↑Thu Jan 11, 2024 1:24 pm Capital One usually wants to see way more spending than that honestly. They're one of the stingiest around with CLIs.
I've had a mixed bag with them on CLIs prior to this card. Got $1500 on one and then only $300 on another. Both of those cards typically had low reported utilization or sometimes none (was before I decided AZEO isn't worth it unless I ever get to a spot where I'm a few months from a mortgage or a car loan). I still plan to hit the luv button in March even if the odds aren't great.
EvenBetterThanTheRealThing
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Re: Prepping for Capital One CLI request

4 of 5
8 months ago
Sat Jan 20, 2024 9:12 am
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mgood
Seasoned Rebel
Level3 Last INQMonday, May 13, 2024 Gardening For3 months, 25 days, 20 hours, and 34 minutes Next Level in5 days, 3 hours, and 26 minutes on September 13th INQ 1yr onTuesday, May 13, 2025 INQ 1yr in8 months, 5 days, 3 hours, and 26 minutes INQ 2yr onWednesday, May 13, 2026 INQ 2yr in1 year, 8 months, 5 days, 3 hours, and 26 minutes Goal12 months Goal DateTuesday, May 13, 2025 Goal In8 months, 5 days, 3 hours, and 26 minutes
I don't prep. I just request a couple times per week, year-round. Then I'm surprised when it actually works 8-) [EDIT: Not when it's been much less than 6 months because I know that's useless to even ask. But my SavorOne hasn't had a CLI in over 2 years. They keep telling me I don't spend enough on it, lol. My Cabela's card is coming up on 6 months so I've started peppering them with requests on it too. They just say there's recently been a change, but I have gotten them a few days to even a couple weeks before the 6 month mark.]
mgood
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    New Accts: 1/6, 3/12, 6/24
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Re: Prepping for Capital One CLI request

5 of 5
8 months ago
Sat Jan 20, 2024 8:35 pm
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Dinosaur
Seasoned RebelDinosaur
Level4 Last INQMonday, April 8, 2024 Gardening For4 months, 30 days, 20 hours, and 34 minutes Next Level in3 hours and 26 minutes on September 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in7 months, 3 hours, and 26 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 7 months, 3 hours, and 26 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 7 months, 3 hours, and 26 minutes
Used to have a few Capital One accounts both Personal and Business. We just did not see eye to eye. Originally had 7.9% Apr fixed and at the 2008 year melt down they raised it to 23.9% variable. I objected and they told me to "buzz" ... so I did!

Closed all my accounts in 2008 and found other providers. Should add they told me where to put my credit line requests too.

One card stuck on $750 CL. Useless and for everything else there is MasterCard.

Found other providers and never looked back.
Dinosaur
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