r/CapitalOne_

I just got pre-approved for the Venture X but hesitating to pull the trigger

Data points -

Exp fico- 750

Equifax fico- 685

Transunion fico- 759

Three days ago I got approved for my first credit card, BCE Amex card but it will take some time to report. Now only have 1 inquiry on my report.

Got two Installment accounts/student loans paying on time for 5 years

Average age of your accounts showing 12 years

Age of oldest account - 18 years

Has anybody got approved with similar data points?

Hope everyone reading this is doing great. This post is intended for folks like me who have been on the fence about getting a costco membership due to the $65 entry fee.

Here’s the deal: Go to groupon to find the costco membership offer: $65 membership, $20 gift card back. The extension should notify you that there is a $50 gift card offer on purchases of $50 or greater when you land on this page.

Select to redeem the offer -> go to the email CapitalOne sends you about unlocking the offer -> buy the membership using the “unlock” link -> profit ???

Membership email from costco should show up within 5 minutes of buying it. CapitalOne credited me $50 within 20 business days. I used it for DoorDash credits. Costco sent me the $20 gift card after 5 business days. So, I technically made $5 through this route. Good luck everyone!

Edit: CapitalOne credited the amount in 20 business days, not 2 lol.

To keep it short and simple I just managed to use the Capital One online extension to order a brand new pair of Apple Airpod Pro 3’s for ONLY $161 after taxes. Needless to say, with the original purchase price being $250~ that’s a mega steal.

I didn't realize one of the promo codes expired (5/19/26). Are there any other promo codes for 400 dollars? I should've opened an account and just let it sit there until my direct deposit came in.

I just made a CapitalOne Savor credit card. First time going with CapitalOne, so I tried to open up a new savings account for setting up the credit card payment, and I realized that I just missed the $400 promotion...:( They do offer $250, but I was wondering if it's going to be worth to wait until a better promo gets rolled in. How long do these promotions usually last? I haven't opened up thr savings account yet; any thoughts?

I'm having a hard time trying to understand this. I have 2 cc. Capital one quicksilver and savor.

The Qs due date is usually the 10th of every month. The statement date closes by the 16th.

Savor due date is on the 12th. The statement closes on the 18th.

How do i pay my account correctly to boost my score? How would the timing work to stay ahead of the bills?

So cap 1 had an offer if you open an account with them you get a $400 checking bonus. By the time I was going to make my account, the offer had expired. Does anyone know if it was just a one time offer or if it will come back?

My newly approved Venture X account has been restricted due a misunderstanding of the income amount that was requested and no path to resolution has been offered.

Here is a brief timeline of the issue:

Week of May 4, 2026: As a long-standing Capital One Venture holder, I applied for the Venture X card to accommodate my heavy travel schedule. I was immediately approved.
Week of May 11, 2026: I received and activated the card. After a routine grocery transaction, the card was flagged. I promptly called customer service and uploaded the requested documents (license, proof of residence, bank statements for income verification).
May 18, 2026 (Today): I spoke with a Fraud Detection Manager for nearly an hour. They informed me that my account would be permanently closed because the deposits on my bank statements did not match the income stated on my application.

The Capital One application asks for annual income. I stated approximately $132,000 (my actual gross salary is ~$134,000). The fraud team insisted on matching this gross figure directly against the net deposits in my bank statements—entirely ignoring standard pre-tax deductions, 401(k) contributions, and federal/state taxes.

When I offered to upload standard corporate pay stubs or tax documents that clearly prove my gross salary or edit my income number on the application, the manager refused to accept them and stated there was no way to remedy the situation. They have suggested the only path forward is my capital one card will be cancelled and I have no way to change this. I have spoken to 3 Fraud Managers and they have all given me the same answer.

The fact that I have no solutions available and had a hard credit inquiry is so frustrating. I’ll take any suggestions for next steps. I did file a complaint with the CFPB.

I'm planning to travel to Japan for a honeymoon for 10 days and I wanted opinions on what's the best strategy for my points with Capital One. I live northeast US and have easy access to NYC, Philly, or any airport in between. Hoping to arrive in Osaka (KIX) and leave Tokyo (HND) but I can just do arrival and depart at the same if needed. I also don't mind economy if needed, it would be nice to splurge for better but that's not as important. Also the dates are flexible as well.

Would JAL, Air Canada, or British Airways be best? I know they can have different values and exchange rates. I've seen recommendations for each when searching. And the options do seem overwhelming a bit. Any advice or suggestions on where to start would be appreciated.

I have come to the conclusion that CapOne must hate me, I started with a secured QuickSilver with a deposit of $200 after 9 months it graduated it received an unrequested cli of $500(CL:700), after that I got a SavorOne Unsecured with a limit of $500. Its been 7 months since I got the SavorOne Unsecured and Ive applied for CLIs like 3 times for quicksilver and once for the SavorOne Unsecured yet every single time its denied due to low utilization, idk if these people want me to just max my cards every month because damn what more do i gotta do?

HI all

I’m at the 7 month mark with capital one after chapter 13 discharged last summer. I did not burn or include CapOne in the bankruptcy at all, and had no prior relationship with them. Surprisingly back in November I checked the pre approval tool on the website and Savor for “good” was offered. I accepted and got a starting limit of 4k. I love this card and have been running about 3-3.5k through it each month, paying the statement balance in full every month. I recently logged in this morning and saw that I had an offer for me, when I clicked on it, it stated that because of my great payment history, I was offered a quicksilver with 0% APR for the first 9 months. No SUB though. This offer did not state Quick Silver for “good” though. My credit has only improved since last November. It did state it was a Master card. Any way to know if this is the regular, or good? Or would it say it on the offer like my Savor did? I would like to add another card to my mix for rebuilding and the 1.5% cash back would be good for everything that the Savor doesn’t cover with the 3% but I don’t want to risk a hp on all 3 reports for a low limit possibly bucketed quick silver.

I may check the preapproval tool to see what pops up, but didn’t know if this targeted offer would be better.

Thanks!