Capital One Premier Dining Rewards

toadsworth · ‎05-22-2017

Decided to apply for the Capital One Premier Dining Rewards card since I do eat out a lot and 3% cash back with no AF sounds good to me. Applied with EQ 743 TU 731 EX 737 FICO 8 scores, 4% utilization. Denied. Got the letter today; they based their decision on my TU FICO 4 score, which is only 672. Inquiries weren't given as a reason for the decision, but they were listed as reasons for my 672 score. 13 inq in the past 2 years, all in the last year. Guess it's time to wait it out for a bit.

Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit

kugel · ‎05-23-2017

Capital one got tightened

bigpoppa09 · ‎05-23-2017

@toadsworth wrote:
Decided to apply for the Capital One Premier Dining Rewards card since I do eat out a lot and 3% cash back with no AF sounds good to me. Applied with EQ 743 TU 731 EX 737 FICO 8 scores, 4% utilization. Denied. Got the letter today; they based their decision on my TU FICO 4 score, which is only 672. Inquiries weren't given as a reason for the decision, but they were listed as reasons for my 672 score. 13 inq in the past 2 years, all in the last year. Guess it's time to wait it out for a bit.

OP u would have came out better apping the Chase AARP it has no annual fee it offers 3% cash back on dining and gas uncapped with your EX score u would have been approved Chase uses Fico 08 plus there internal score.

toadsworth · ‎05-23-2017

I'm 11/24 though, 2 of them chase cards. Is that a problem? Are my inquiries going to be an issue?

Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit

bigpoppa09 · ‎05-23-2017

@toadsworth wrote:
I'm 11/24 though, 2 of them chase cards. Is that a problem? Are my inquiries going to be an issue?

No this card is not under 5/24 I was approved on the 16th with the Inq from this card made it a even 50.

toadsworth · ‎05-23-2017

Applied, 30 day message. Hmm...

Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit

Loquat · ‎05-24-2017

@toadsworth wrote:
Applied, 30 day message. Hmm...

Don't worry just yet...I received the same message on my AARP card...next morning I woke up to the account showing in my online profile. Good luck!

fltireguy · ‎05-24-2017

I agree with BigPoppa on this. AARP is a much better card, as far as rewards go...

Small signup bonus (better than nothing)... No AF..

30 day is not a bad thing - ALL 4 of my Chase apps have gone to 30 days and then to approval 24-48 hours later. Chase is NOT Inq sensitive (FOR ME) - they pull Ex for me here in Tampa, FL.. and I have more Inq than Bigpoppa des

Good luck on your app

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

fltireguy · ‎05-24-2017

OH and it also has a nice first 12 month 0 APR intro offer as well

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

bigpoppa09 · ‎05-24-2017

@toadsworth wrote:
Applied, 30 day message. Hmm...

I bet u it's hung up in verification just as mine was call this number after 5 mins u should be doing a happy dance 1888-688-6708 Chase verification department.