topic Re: Capital One Savor One $8K SL in Credit Card Approvals

Capital One Savor One $8K SL

BioRadar — Thu, 04 Jan 2024 02:08:13 GMT

Just applied on a whim since I needed a good all-around dining and grocery card. Made sure I was pre-approved and got instantly approved after my application for an $8K SL. My only other card is a Discover It Secured card with 3 months left until it's unsecured. My FICO scores are EXP - 745 EQUI - 750 and TU - 740. Not sure if that helped with the SL or not.

Re: Capital One Savor One $8K SL

NoMoreE46 — Thu, 04 Jan 2024 02:12:34 GMT

@BioRadar wrote:
Just applied on a whim since I needed a good all-around dining and grocery card. Made sure I was pre-approved and got instantly approved after my application for an $8K SL. My only other card is a Discover It Secured card with 3 months left until it's unsecured. My FICO scores are EXP - 745 EQUI - 750 and TU - 740. Not sure if that helped with the SL or not.

Excellent card. Great SL. Our Savor is the most used card

in our family.

Re: Capital One Savor One $8K SL

BioRadar — Thu, 04 Jan 2024 02:15:02 GMT

@NoMoreE46 wrote:
@BioRadar wrote:
Just applied on a whim since I needed a good all-around dining and grocery card. Made sure I was pre-approved and got instantly approved after my application for an $8K SL. My only other card is a Discover It Secured card with 3 months left until it's unsecured. My FICO scores are EXP - 745 EQUI - 750 and TU - 740. Not sure if that helped with the SL or not.

Excellent card. Great SL. Our Savor is the most used card
in our family.

Thank you! Was looking at my biggest spenders and it was a no brainer! It's definitely going to be getting the most use for us as well.

Re: Capital One Savor One $8K SL

pc01user — Thu, 04 Jan 2024 02:16:11 GMT

@BioRadar Congratulations! A Good Card!

Re: Capital One Savor One $8K SL

BioRadar — Thu, 04 Jan 2024 02:19:01 GMT

@pc01user wrote:
@BioRadar Congratulations! A Good Card!

Thank you!

Re: Capital One Savor One $8K SL

KingRue8500 — Thu, 04 Jan 2024 02:29:35 GMT

Congrats on your Capital One SavorOne Rewards approval

Re: Capital One Savor One $8K SL

BioRadar — Thu, 04 Jan 2024 02:39:39 GMT

@KingRue8500 wrote:
Congrats on your Capital One SavorOne Rewards approval

Thank you!

Re: Capital One Savor One $8K SL

JoeRockhead — Thu, 04 Jan 2024 03:00:36 GMT

Very nice, congratulations on your approval!

Re: Capital One Savor One $8K SL

DXness — Thu, 04 Jan 2024 05:43:14 GMT

Congrats!

Knowing nothing about your credit profile other than what's presented here, I can see two factors that Capital One really loves and that would contribute to such a nice approval - low number of cards and low/no recent applications for credit. They want to be your daily driver and don't want to be churned for the bonus, so they really like people who haven't assembled a fleet of cards yet. They are also a bit inquiry-sensitive and often pull older FICO versions / mortgage scores instead of 8. Those things are also very sensitive to inqs and new accounts, so having almost none is good.

Unlike Savor Ones that start with low SLs, you can likely get a nice/sizeable CLI on that one in 3-6 months. I don't use my Savor One nearly as often as I did the first half of last year, but it's still my go-to entertainment card and late night or odd location dining card. Capital One has never declined any of my purchases..event tickets at 3 AM? Sure. Fast food, 3 states away, at midnight? No problemo.

Re: Capital One Savor One $8K SL

BuckyB — Thu, 04 Jan 2024 08:23:52 GMT

Impressive SL on that card

Re: Capital One Savor One $8K SL

citymunky — Thu, 04 Jan 2024 15:21:46 GMT

@BioRadar wrote:
Just applied on a whim since I needed a good all-around dining and grocery card. Made sure I was pre-approved and got instantly approved after my application for an $8K SL. My only other card is a Discover It Secured card with 3 months left until it's unsecured. My FICO scores are EXP - 745 EQUI - 750 and TU - 740. Not sure if that helped with the SL or not.

Did you get the SavorOne with the sign-up bonus (SUB)?

Re: Capital One Savor One $8K SL

M_Smart007 — Thu, 04 Jan 2024 17:02:15 GMT

Congratulations on your savor One Approval 🎉

Re: Capital One Savor One $8K SL

TheRedHat — Thu, 04 Jan 2024 18:15:18 GMT

Congratulations on your approval!

Re: Capital One Savor One $8K SL

youngandcreditwrthy — Thu, 04 Jan 2024 18:18:46 GMT

@citymunky congrats! I have a pre approval for this and want it so bad but am coming up on 6 mos with my QS.

yeah do you know if you got the "excellent" credit version with the 0% and SUB or the "good" credit version?

Capital one has imrpoved their offerings so much since 2014/2015 post GFC era

Re: Capital One Savor One $8K SL

BioRadar — Thu, 04 Jan 2024 23:30:25 GMT

@citymunky wrote:
@BioRadar wrote:
Just applied on a whim since I needed a good all-around dining and grocery card. Made sure I was pre-approved and got instantly approved after my application for an $8K SL. My only other card is a Discover It Secured card with 3 months left until it's unsecured. My FICO scores are EXP - 745 EQUI - 750 and TU - 740. Not sure if that helped with the SL or not.
Did you get the SavorOne with the sign-up bonus (SUB)?

Yeah I did! Now I'm just waiting by the door watching for the mailman like it'll magically be here already.

Re: Capital One Savor One $8K SL

BioRadar — Thu, 04 Jan 2024 23:32:33 GMT

@youngandcreditwrthy wrote:
@citymunky congrats! I have a pre approval for this and want it so bad but am coming up on 6 mos with my QS.

yeah do you know if you got the "excellent" credit version with the 0% and SUB or the "good" credit version?

Capital one has imrpoved their offerings so much since 2014/2015 post GFC era

I got their excellent credit version with the 0% and SUB!

Re: Capital One Savor One $8K SL

CYBERSAM — Fri, 05 Jan 2024 00:02:41 GMT

Congrats on your Capital One Savor One Approval 🤑👍

Re: Capital One Savor One $8K SL

CreditAggie — Fri, 05 Jan 2024 21:29:55 GMT

Congratulations on your savor One approval!

Re: Capital One Savor One $8K SL

NoMoreDebt — Sat, 20 Jan 2024 14:08:16 GMT

Congrats on the approval