Capital One Premier Dining Rewards Approved!

Anonymous — Sat, 09 Sep 2017 00:22:01 GMT

The Capital One Premier dining card has been on my mind for the last few months as a straight dining (and bars) reward card. At first, I wanted the AARP Card, but it was ugly and had that old person stigma. I also saw the Marvel Card, but it just wasn't my style. I also saw the Bank of the West card but that gave your rewards after a year and their site was super outdated. I also did not have have any interest in a Costco Citi Card as I never go there to justify the membership.

Being a Capital One 360 Checking and Savings customer made this ideal as I can easily pay my card in an instant without crazy wait times.

I decided to hit up the prequal page after raising my score 50 points this summer. I was worried as I read the few denial posts and the main Cap1 site mentioning that you need "Excellent" credit. Then I saw a youtube video where a guy got approved with a 715, so I thought why the hell not. I was approaching the end of my 6month 10% restaurant deal with AMEX BCE so now was the perfect time.

Approved for $10,000 instantly. TRIPLE PULL

Even though it is 3% vs 2% with my Citi DC, it makes tracking payments a cinch and more fluid from my checking. No foreign transaction fees finally! It is also a World Elite MasterCard and looks mighty fine compared to all the rest. Also comes with a $100 after $500 spend bonus.

My scores were..

722 Experian (9/2 via AMEX)

722 Transunion (8/19 via BOA)

702 Equifax (8/22 via CITI)

My existing cards and limits were..

AMEX Blue Cash Everyday @ $24,000 (6 months old)

BankAmericard Cash Rewards Visa Signature @ $5,000 (6 months old) previously had the platinum version @1K for 4 years but closed due to an AF dilemma.

Citi Double Cash WEMC @ $3,100 (1 year old)

Surprisingly, I have no HP for the above cards.

I applied with 2 other Hard inquiries from last year, 2% utilization (~$700), and student debt around $14,000. Income 50k.

Lastly, I decided to try and get the Chase Amazon Prime Reward card for 5% off Amazon with a $70 Amazon Gift card bonus.

Approved for $2500 instantly. Experian Pull.

Your credit score: 727 Scoring system name: Card Acquisition Risk Score

Date calculated: 9/6/2017 Source: Chase Bank USA, N.A.

I also wanted to know how well my wallet is doing, Am I doing this right guys? Limit is $44,600 in a short ammount of time.

I budget hardcore and never leave a balance for interest. I am just maximizing my dollars.

Amazon 5% Chase Amazon Prime Card [$2,500] 20.24%

Gas 3.3% Bank Americard Cash Rewards [$5,000] 0% until 5/18, 20.75% after

Groceries 3% AMEX BCE [$24,000] 0% until 4/18, 20.99% after

Dining 3% Cap1 Premiere Dining [$10,000] 20.49%

Everything else 2% Citi Double Cash [$3,100] 5.99% until 3/18, 21.99% after

Thanks, I am also open to any suggestions.

Re: Capital One Premier Dining Rewards Approved!

Mahraja — Fri, 08 Sep 2017 02:35:33 GMT

outstanding galadar well done

Re: Capital One Premier Dining Rewards Approved!

Anonymous — Fri, 08 Sep 2017 19:45:13 GMT

Good job 👍

Re: Capital One Premier Dining Rewards Approved!

Anonymous — Fri, 08 Sep 2017 20:03:45 GMT

Congrats!! Awesome job!! Enjoy

Re: Capital One Premier Dining Rewards Approved!

DeeBee78 — Sat, 09 Sep 2017 00:31:42 GMT

@Anonymous wrote:

At first, I wanted the AARP Card, but it was ugly and had that old person stigma.

Choosing a credit card based on how aesthetically-pleasing it looks is a new one for me. But since the Capital One "Premier" card looks like their secured MasterCard at first glance, I wouldn't be calling out the AARP's looks too much

Personally I like the way my AARP card looks, with the foiled/shiny overlay. It's an interesting conversation starter being in my very early 30's. People always want to know why I have an AARP card, and I get to tell them about 3% cashback on gas and restaurants, the $200 signup bonus, and the 12 months 0% introductory APR. Not too shabby for an old person card

Congrats on the approval!

Re: Capital One Premier Dining Rewards Approved!

shoegal — Sat, 09 Sep 2017 01:31:34 GMT

Congrats!! I really like your lineup and how it goes with your spending categories.

Re: Capital One Premier Dining Rewards Approved!

Anonymous — Sun, 10 Sep 2017 16:45:18 GMT

thanks guys!

topic Re: Capital One Premier Dining Rewards Approved! in Credit Card Approvals

Capital One Premier Dining Rewards Approved!

Re: Capital One Premier Dining Rewards Approved!

Re: Capital One Premier Dining Rewards Approved!

Re: Capital One Premier Dining Rewards Approved!

Re: Capital One Premier Dining Rewards Approved!

Re: Capital One Premier Dining Rewards Approved!

Re: Capital One Premier Dining Rewards Approved!