topic Re: Sometimes that intuition... Savor One in Credit Card Approvals

Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 10:24:42 GMT

Soooo... I have wanted this card for a long time but with my current $8250 in exposure with Cap, my low income, and my credit seeking ways I have been less than willing to throw away 3 HPs. I had a prequal about a week ago for the Savor but when I checked after getting my Payboo card approval, it was gone.

My intuition was just telling me to app for it so this morning I unfroze my reports and checked prequal - no dice. QS1 and Plat with 26.96%.

I said screw it, I'm going to take a leap and see where it lands.

HOLY CRAP!!!!

KNOCK ME OVER WITH A FEATHER!

And look at that ongoing APR! That's an excellent APR for a BK file when it comes to Cap - 26.96% was my expectation and I currently am at 25.15% on my QS!

Needless to say I'm in the garden for the long haul now... I have an outstanding CLI request in with BBVA which I have left EX unfrozen for.

My exposure to income with Cap now is insane. I guess the 5 years of perfect payment history on my QS definitely worked in my favor. $18,300 income, $18,250 in credit.

Scores at time of approval - TU 703, EQ 681, EX 703

HAPPY DANCE!!

I just gotta call the verification line in about 45 minutes so they can text me a code and its all set!! YAY!!!!

Re: Sometimes that intuition... Savor One

FireMedic1 — Mon, 10 Jun 2019 10:22:50 GMT

Well that will make up for the AMEX spanking you got. And to those that all say Cap1 sucks. LOL!!!!!!!!!!!!!!!!! Congrats!!!!!!!!!

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 10:27:35 GMT

@FireMedic1 wrote:
Well that will make up for the AMEX spanking you got. And to those that all say Cap1 sucks. LOL!!!!!!!!!!!!!!!!! Congrats!!!!!!!!!

Thank you!!

Yeah something tells me that I'm going to go back to using my QS now... because Cap just seriously rewarded my loyalty and I'm floored! I was thinking about making the Cash Magnet my non-category card because I am a bit annoyed with how I have to manage the PayPal but maybe I will just go back to using my QS.

I was fully expecting $1K. Never in my wildest dreams did I expect $10K!!!

Re: Sometimes that intuition... Savor One

FireMedic1 — Mon, 10 Jun 2019 10:51:03 GMT

@Anonymous wrote:
@FireMedic1 wrote:
Well that will make up for the AMEX spanking you got. And to those that all say Cap1 sucks. LOL!!!!!!!!!!!!!!!!! Congrats!!!!!!!!!
Thank you!!

Yeah something tells me that I'm going to go back to using my QS now... because Cap just seriously rewarded my loyalty and I'm floored! I was thinking about making the Cash Magnet my non-category card because I am a bit annoyed with how I have to manage the PayPal but maybe I will just go back to using my QS.

I was fully expecting $1K. Never in my wildest dreams did I expect $10K!!!

Your annoyed? What a whacked out way to get to your account. Sign in PayPal. Go to Sync. 2 sign outs. Phone app does nothing but show a balance. I agree with Cap. They were there after my BK and have been great. Started with a 1200 Plat. 3and a half yrs and now at 36k with them and I turned in voluntary 16k CLD to open other cards when I was worried about going over my income. Now i dont care. So easy to do things with the CB and so on. You'll love it.

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 11:19:13 GMT

@FireMedic1 wrote:
@Anonymous wrote:
@FireMedic1 wrote:
Well that will make up for the AMEX spanking you got. And to those that all say Cap1 sucks. LOL!!!!!!!!!!!!!!!!! Congrats!!!!!!!!!
Thank you!!

Yeah something tells me that I'm going to go back to using my QS now... because Cap just seriously rewarded my loyalty and I'm floored! I was thinking about making the Cash Magnet my non-category card because I am a bit annoyed with how I have to manage the PayPal but maybe I will just go back to using my QS.

I was fully expecting $1K. Never in my wildest dreams did I expect $10K!!!
Your annoyed? What a whacked out way to get to your account. Sign in PayPal. Go to Sync. 2 sign outs. Phone app does nothing but show a balance. I agree with Cap. They were there after my BK and have been great. Started with a 1200 Plat. 3and a half yrs and now at 36k with them and I turned in voluntary 16k CLD to open other cards when I was worried about going over my income. Now i dont care. So easy to do things with the CB and so on. You'll love it.

I am also annoyed that you can't get notifications for transactions and Sync apparently has a huge process if someone commits fraud using your card. I have dealt with it with Cap and it was painless.

I actually just got off the phone with their verification department. They were having trouble with the system. It wouldn't accept my Google Voice number (despite that being the same number I opened my QS 5 years ago with) and it was rejecting my actual cell number too. My chest sank when he put me on hold but he came back and asked if I can receive calls on my Google Voice, I said yes, he called me. Verified.

As for Capital One, I'm thrilled with them. They gave me a $300 card right when I needed it back in 2014 despite me having nothing but negative credit occurrences since my 2010 BK and now they trust me with a $10K card. I have gone to bat for Capital One many times on this very forum and its nice to see that I wasn't wrong about them rewarding loyalty.

Re: Sometimes that intuition... Savor One

sarge12 — Mon, 10 Jun 2019 11:34:21 GMT

@Anonymous wrote:
Soooo... I have wanted this card for a long time but with my current $8250 in exposure with Cap, my low income, and my credit seeking ways I have been less than willing to throw away 3 HPs. I had a prequal about a week ago for the Savor but when I checked after getting my Payboo card approval, it was gone.

My intuition was just telling me to app for it so this morning I unfroze my reports and checked prequal - no dice. QS1 and Plat with 26.96%.

I said screw it, I'm going to take a leap and see where it lands.

HOLY CRAP!!!!

KNOCK ME OVER WITH A FEATHER!

And look at that ongoing APR! That's an excellent APR for a BK file when it comes to Cap - 26.96% was my expectation and I currently am at 25.15% on my QS!

Needless to say I'm in the garden for the long haul now... I have an outstanding CLI request in with BBVA which I have left EX unfrozen for.

My exposure to income with Cap now is insane. I guess the 5 years of perfect payment history on my QS definitely worked in my favor. $18,300 income, $18,250 in credit.
Scores at time of approval - TU 703, EQ 681, EX 703

HAPPY DANCE!!

I just gotta call the verification line in about 45 minutes so they can text me a code and its all set!! YAY!!!!

Let me know if you get the SUB...the fine print says existing Capital One CC customers may not get the SUB.

Re: Sometimes that intuition... Savor One

GApeachy — Mon, 10 Jun 2019 11:36:49 GMT

@Anonymous wrote:
I have gone to bat for Capital One many times on this very forum and its nice to see that I wasn't wrong about them rewarding loyalty.

Yes, you sure have. Actually, you gave me advice to hang in there, not get frustrated....glad I took your advice or I wouldn't have my Savor either. I did not get the cl you got but I am thrilled they approved you for 10k! You deserve it and congrats many times over Saeren

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 11:37:37 GMT

@sarge12 wrote:
@Anonymous wrote:
Soooo... I have wanted this card for a long time but with my current $8250 in exposure with Cap, my low income, and my credit seeking ways I have been less than willing to throw away 3 HPs. I had a prequal about a week ago for the Savor but when I checked after getting my Payboo card approval, it was gone.

My intuition was just telling me to app for it so this morning I unfroze my reports and checked prequal - no dice. QS1 and Plat with 26.96%.

I said screw it, I'm going to take a leap and see where it lands.

HOLY CRAP!!!!

KNOCK ME OVER WITH A FEATHER!

And look at that ongoing APR! That's an excellent APR for a BK file when it comes to Cap - 26.96% was my expectation and I currently am at 25.15% on my QS!

Needless to say I'm in the garden for the long haul now... I have an outstanding CLI request in with BBVA which I have left EX unfrozen for.

My exposure to income with Cap now is insane. I guess the 5 years of perfect payment history on my QS definitely worked in my favor. $18,300 income, $18,250 in credit.
Scores at time of approval - TU 703, EQ 681, EX 703

HAPPY DANCE!!

I just gotta call the verification line in about 45 minutes so they can text me a code and its all set!! YAY!!!!
Let me know if you get the SUB...the fine print says existing Capital One CC customers may not get the SUB.

They absolutely will give me the SUB, I haven't applied for a new card in 3 years. This was actually the email that they sent me after approval and it has no fine print, these are my actual terms on this account.

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 11:39:23 GMT

@GApeachy wrote:
@Anonymous wrote:
I have gone to bat for Capital One many times on this very forum and its nice to see that I wasn't wrong about them rewarding loyalty.
Yes, you sure have. Actually, you gave me advice to hang in there, not get frustrated....glad I took your advice or I wouldn't have my Savor either. I did not get the cl you got but I am thrilled they approved you for 10k! You deserve it and congrats many times over Saeren

Thank you very much, I am beyond thrilled right now. This card will get some heavy use from me.

I am still shocked at the limit. I was honest when they asked me what my monthly credit card spend was and said $700. I was not expecting them to hit me with the limit they did but I totally appreciate it!

Re: Sometimes that intuition... Savor One

GApeachy — Mon, 10 Jun 2019 11:41:36 GMT

@Anonymous wrote:
I was honest when they asked me what my monthly credit card spend was and said $700. I was not expecting them to hit me with the limit they did but I totally appreciate it!

So exciting.....hope you get a sweet score boost too!

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 11:43:27 GMT

@GApeachy wrote:
@Anonymous wrote:
I was honest when they asked me what my monthly credit card spend was and said $700. I was not expecting them to hit me with the limit they did but I totally appreciate it!
So exciting.....hope you get a sweet score boost too!

That's wishful thinking. My utilization is so low that I won't realize a score boost and I already took a 4 point hit on EX when the inq alert came through.

But I'm pretty much 100% planted in the garden now. I was thinking about trying US Bank one more time but since my new Sync account is already reporting, that puts me at 2 in 6. Not sure I want to deal with another US Bank denial. I'll make that decision by this evening before my EX lift expires lol.

Re: Sometimes that intuition... Savor One

GApeachy — Mon, 10 Jun 2019 11:46:04 GMT

@Anonymous wrote:
I'll make that decision by this evening before my EX lift expires lol.

That seems a smidge scary.........

Re: Sometimes that intuition... Savor One

AverageJoesCredit — Mon, 10 Jun 2019 11:56:09 GMT

Congrats @Anonymous . Looks like Cap 1 likes your profile Enjoy or should i say Ssvor it

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 11:59:05 GMT

@GApeachy wrote:
@Anonymous wrote:
I'll make that decision by this evening before my EX lift expires lol.
That seems a smidge scary.........

I said screw it and submitted the app... its my last goal card. If they say no, I'll try again next year. But I already went and spoiled my chances at hitting 0/6 by going for the Payboo and once the rest of these cards are reporting I'm screwed for 6 months anyway.

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 11:59:33 GMT

@AverageJoesCredit wrote:
Congrats @Anonymous . Looks like Cap 1 likes your profile Enjoy or should i say Ssvor it

Thanks AJC! I guess they do!

Re: Sometimes that intuition... Savor One

sarge12 — Mon, 10 Jun 2019 12:12:38 GMT

I have not done a Cap 1 app in at least 7 years....well have to get 1 year in garden before I do anything.

Re: Sometimes that intuition... Savor One

Shooting-For-800 — Mon, 10 Jun 2019 12:18:19 GMT

Congrats!

I have preaching about CapOne for 4 years on here and people think I am crazy.

Re: Sometimes that intuition... Savor One

Marz2002 — Mon, 10 Jun 2019 12:23:49 GMT

You...REALLY...

CONGRATS again @Saeren my friend on your Savor One approval and the AWESOME SL/APR combo!!!

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 12:23:54 GMT

@sarge12 wrote:
I have not done a Cap 1 app in at least 7 years....well have to get 1 year in garden before I do anything.

Cap just doesn't want you to churn and burn. If you have had a card with them for a long time, they know what to expect from you.

I was planning on staying in the garden until later this year but when B&H came out with that $350 PS4 Pro bundle, I needed to float the purchase into next month so the Payboo kind of threw a wrench in that but so far I'm 3 for 3, with Cash+ pending (about 50/50 on my chances for this one because Payboo is already reporting albeit with a $0 balance but I'm already out of the garden so why not), BBVA CLI pending, NFCU CLI pending so I guess I should be thanking B&H right now because I wouldn't have spree'd like this otherwise.

Re: Sometimes that intuition... Savor One

Anonymous — Mon, 10 Jun 2019 12:25:54 GMT

@Shooting-For-800 wrote:
Congrats!

I have preaching about CapOne for 4 years on here and people think I am crazy.

Thanks!

I have been preaching with you since I joined in September. I love Capital One. I don't love their triple pulls but something tells me if they just pulled my 681 EQ, I wouldn't be getting a $10K card in the mail either.

I don't forget that Capital One is the one who took a chance on me back in 2014 and this approval just cements my feelings about Capital One and loyalty being rewarded even further.