topic Re: Capital One Savor Approval in Credit Card Approvals

Capital One Savor Approval

MsSecondChance — Tue, 24 Dec 2024 01:41:02 GMT

Received an "as a thank you for your loyalty, you've earned an offer for an additional line of credit" email from Capital One today for the Savor card with unlimited 3% cash back on dining, grocery stores, entertainment, and popular streaming services with no annual fee.
Decided to pull the trigger since my scores have grown since my first Quicksilver approval of $3K shortly after my bankruptcy discharge a few months ago.

Was shocked and pleasantly surprised to get an approval of 10K!!
To the garden I go until at least June when my bankruptcy is scheduled to fall off EX and EQ.

Re: Capital One Savor Approval

CreditCuriosity — Tue, 24 Dec 2024 01:50:51 GMT

Congrats on nice SL. That APR is wowzers though. Obviously without saying don't carry a balance

Re: Capital One Savor Approval

JoeRockhead — Tue, 24 Dec 2024 01:54:39 GMT

Very nice, congratulations on your approval!

Re: Capital One Savor Approval

Snook_on_the_Line — Tue, 24 Dec 2024 01:59:34 GMT

Sweet approval. Congrats.

was there a SUB?

Re: Capital One Savor Approval

MsSecondChance — Tue, 24 Dec 2024 02:10:08 GMT

@CreditCuriosity wrote:
Congrats on nice SL. That APR is wowzers though. Obviously without saying don't carry a balance

Definitely not! My days of carrying balances are far behind me! 😀

Re: Capital One Savor Approval

MsSecondChance — Tue, 24 Dec 2024 02:12:58 GMT

@JoeRockhead wrote:
Very nice, congratulations on your approval!

Thank you!

Re: Capital One Savor Approval

MsSecondChance — Tue, 24 Dec 2024 02:16:18 GMT

@Snook_on_the_Line wrote:
Sweet approval. Congrats.

was there a SUB?

Thank you!

There was no cash reward SUB but there is a 0% intro APR on purchases for 9 months.

Re: Capital One Savor Approval

Varsity_Lu — Tue, 24 Dec 2024 10:19:31 GMT

Congrats! I love Savor. That and AmEx BCE are a sweet no-fee duo that cover a bunch of categories.

Re: Capital One Savor Approval

NoMoreDebt — Tue, 24 Dec 2024 18:37:31 GMT

congrats

Re: Capital One Savor Approval

firefox100 — Tue, 24 Dec 2024 19:09:31 GMT

Congratulations very nice, enjoy the holidays.

Re: Capital One Savor Approval

CreditAggie — Tue, 24 Dec 2024 23:17:49 GMT

Congratulations on your Capital One Savor approval!

Re: Capital One Savor Approval

MsSecondChance — Wed, 25 Dec 2024 00:08:39 GMT

Thank you everyone!

Happy Holidays to All!

Re: Capital One Savor Approval

Zoostation1 — Wed, 25 Dec 2024 07:51:37 GMT

@MsSecondChanceCongrats on the approval! That's the highest SL I've seen on a no sub Savor (orSavorOne if before the naming refresh) card. It's common to see $3k or less approvals on these with occasional $5k SLs.

Re: Capital One Savor Approval

youngandcreditwrthy — Wed, 25 Dec 2024 16:56:16 GMT

Congrats... @MsSecondChance

do you know your current stats? Is your eq really 645 like is in your siggy?

I've had a QS of 6.25k (they gave me a lousy 250 CLI) and a West Elm Visa Siggy for $3k for about 9 months. Can't get them to CLI these any more. I carried about 50% util on QS for a month or two, otherwise PIF, same with West Elm.

Cap One is such an odd one, but super super congrats! We are back to handing out cards again. Looser regulation. Be careful my friend.

Re: Capital One Savor Approval

mgood — Wed, 25 Dec 2024 19:47:40 GMT

Congratulations!

@CreditCuriosity wrote:
. . . That APR is wowzers though. Obviously without saying don't carry a balance

Mine is 29.65% and I've had this account open for 9 years and never had a late payment. Never asked for an interest rate reduction because I don't carry a balance and I'm too busy trying to increase the depth of my bucket, lol. Current CL $5850. SL was $300.

Re: Capital One Savor Approval

AzCreditGuy — Wed, 25 Dec 2024 21:09:13 GMT

@CreditCuriosity wrote:
Congrats on nice SL. That APR is wowzers though. Obviously without saying don't carry a balance

Congrats on get this CARD because Cap 1 wont give it as upgrade to some of us.

I am actually suprised you would say this about the APR, for someone to have a BK and get a Savor. I have a 27.28% APR zero BKs and cant even get a Savor upgrade but have $19.9k CL after 10 years, just says Cap 1 has zero logic at times.

Re: Capital One Savor Approval

MsSecondChance — Thu, 26 Dec 2024 01:55:47 GMT

@Zoostation1 wrote:
@MsSecondChanceCongrats on the approval! That's the highest SL I've seen on a no sub Savor (orSavorOne if before the naming refresh) card. It's common to see $3k or less approvals on these with occasional $5k SLs.

Thank you @Zoostation1

Hearing that makes me even more excited about my credit journey back!

Re: Capital One Savor Approval

MsSecondChance — Thu, 26 Dec 2024 02:08:02 GMT

@youngandcreditwrthy wrote:
Congrats... @MsSecondChance

do you know your current stats? Is your eq really 645 like is in your siggy?

I've had a QS of 6.25k (they gave me a lousy 250 CLI) and a West Elm Visa Siggy for $3k for about 9 months. Can't get them to CLI these any more. I carried about 50% util on QS for a month or two, otherwise PIF, same with West Elm.

Cap One is such an odd one, but super super congrats! We are back to handing out cards again. Looser regulation. Be careful my friend.

I actually need to update the EQ. That score is a fako from credit karma, but when I was approved for my State Farm Visa a few weeks ago, the letter they sent said my EQ was 677.

I've only had my Quicksilver for 3 months and I've paid in full each month. Highest balance was about 14% of my credit limit. I was expecting to receive a CLI email soon, but received the Savor offer email instead.

Re: Capital One Savor Approval

MsSecondChance — Thu, 26 Dec 2024 02:15:09 GMT

That APR is ridiculous, but doesn't bother me because I no longer carry balances. If I can't pay it in full, then I don't put it on the card.

After a job loss and paying off my credit cards through a Ch 13, I no longer want to be in debt ever again.

Re: Capital One Savor Approval

yam1rts — Sat, 28 Dec 2024 06:34:29 GMT

WOW, I’m so jealous, congratulations!