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27 Comments
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blah blah
blah blah (@guest_2119165)
August 14, 2025 09:36

damn near impossible to get approved for C1 cards

Ken L.
Ken L. (@guest_2119082)
August 14, 2025 05:15

screw you, capital one!
i tried to use a reddit referrer, 100$ referral, 100$ travel credit, 200$ bonus, when i click on to see if you preapproved, it shows i approved for good credit with NO sign up bonus!
so i withdraw all my money from their saving account of 115$, no i’m not poor, i withdrawal most of the money last time (for the saving bonus of 300 or 200, forgot which one). my credit score is like 835.

Chris
Chris (@guest_2119149)
August 14, 2025 09:17

same

Kyle
Kyle (@guest_2118535)
August 13, 2025 14:26

I just got a “limited-time offer” of 300$ portal travel credit on top of the usual 75k for 4,000 spent on the Venture rewards card through a referral link. Not sure if this is a new offer or not but figured I should share it since it’s quite a good amount of value for a 95$ card.

Alex
Alex (@guest_2118020)
August 12, 2025 23:03

DPs on Reddit indicating there’re additional $50 or $100 sign-up bonus options when applying through a referral link and making a minimum payment within the first three months, effectively making the SUB for the QS and the Savor $350 or $400 for $500 spend in the first three months.

Ash
Ash (@guest_2118003)
August 12, 2025 22:43

I just closed the Venture X last week after two years as I am not finding more value as I am into Chase ecosystem and have CSR. The Savor One offer is tempting, and a keeper card.

Ash
Ash (@guest_2118120)
August 13, 2025 02:40

Classic Cap One. Showing only the Good Credit Savor One variant as pre-approved with no welcome bonus.

Al
Al (@guest_2117966)
August 12, 2025 21:56

Is there a way to message Doc about deal update? The capital one spark cash deal that ended yesterday $1500 on $15k spend, now has $1000 on $10 spend, i think this is better because of less spend in 3 months… Not sure if this is a good deal.

William Charles
Admin
August 12, 2025 22:02
  Al

Just leaving a comment works to alert us, thanks.

Mmhmmm
Mmhmmm (@guest_2117759)
August 12, 2025 17:21

Think the $100 travel credit can be stacked with existing C1 points/rewards cash in their travel portal? Can’t find any language in the offer on the c1 site.

B
B (@guest_2117780)
August 12, 2025 17:44

It can. It’s just a $100 off credit at checkout then it ask if and how many points you’d like to use on this purchase.

John
John (@guest_2117733)
August 12, 2025 16:46

Quicksilver (and the secured cards) are like the only thing Capital One’s pre-qualifier tool will ever even think about suggesting… even when below 5/24 (I know, that’s Chase), Venture X is always a ‘no.’ Anyone recommend anything, other than waiting for 0/24? Was hoping to someday get to try the new Capital One lounge at JFK T4…

AA
AA (@guest_2117783)
August 12, 2025 17:48

Capital One favors people who will use the card a good bit, maybe carry a balance from time to time. They don’t want the savvy optimizers that many DoC readers probably are.

So aside from looking at recent new accounts and inquiries, I think they are also sensitive to having lots of credit cards in total (especially if those aren’t getting much use).

The pitiful prequalification seem like their way of denying without denying: “Sure, you can have a card! How about a secured card with an annual fee and no bonus to acknowledge your 800 credit score?”

Ben
Ben (@guest_2117709)
August 12, 2025 16:21

I’ve been getting a $300 targeted offer via email for quite some time now

Celia 🔗
Celia 🔗 (@guest_2117738)
August 12, 2025 16:55

Same here but I think that was $300 statement credit, this seems worse with breaking it out.

But it doesn’t matter anyway for me, they have never approved me for a personal Cap 1 card.

B
B (@guest_2117782)
August 12, 2025 17:46

With them just acquiring discover and I’m growth mode …i’d try again. I was approved this week about 2 years of denials for C1 credit cards

Jack
Jack (@guest_2117684)
August 12, 2025 15:46

I’ve been thinking about getting a new daily credit card. Would one of these be a good choice?