topic Re: Help! Cap One is trying to seduce me... in Credit Card Applications

Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 15:51:40 GMT

So as many of you know, I was planning on refraining from any apping in anticipation of the new Apple card later this year. However, something has happened as of yesterday. I prequaled for Cap1 Savor, Savor One, Venture, and QS. I haven’t prequaled for any Capital One cards in awhile. And yes, the APRs on all of them were solid.

Now the Savor One is a card I’ve wanted for awhile, plus the intro APR for 15 months and 150/500 SUB would be helpful for upcoming expenses. FWIW, I actually am one of the few who like Cap One. They were the first to give me a card, and their app is great.

I recently paid off my car loan, but that hasn’t reported yet. I know my score will dip a little once that gets reported, so if I were to take this prequal offer, wouldn’t it be best to do it now?

I’ve been going back and forth like crazy on this. HELP ME!!!! I’m weak and the siren call of Cap One is intensifying....

Re: Help! Cap One is trying to seduce me...

FinStar — Fri, 01 Mar 2019 16:26:44 GMT

If you have the planned expense where you can benefit from the approval I would go for it IMO. Potentially, you could try Savor for a spin and then downgrade to Savor One in the future.

But, if the Savor One aligns much better for your goals, then do that one. I'm sure the triple pull will be worth it if approved.

Re: Help! Cap One is trying to seduce me...

Remedios — Fri, 01 Mar 2019 16:35:50 GMT

@pinkandgrey Sounds to me as if you've already talked yourself into it

Good luck!

Re: Help! Cap One is trying to seduce me...

JaseT — Fri, 01 Mar 2019 16:47:50 GMT

Click da button!!

Re: Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 17:23:04 GMT

@Remedios wrote:
@pinkandgrey Sounds to me as if you've already talked yourself into it

Good luck!

I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP

Re: Help! Cap One is trying to seduce me...

Remedios — Fri, 01 Mar 2019 17:25:39 GMT

@pinkandgrey wrote:
@Remedios wrote:
@pinkandgrey Sounds to me as if you've already talked yourself into it

Good luck!
I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP

I just checked, I cant even get a platinum with my inq and new accounts

How many inq and accounts are we talking about here?

Re: Help! Cap One is trying to seduce me...

JaseT — Fri, 01 Mar 2019 17:31:36 GMT

@pinkandgrey wrote:
HELP

Re: Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 17:35:39 GMT

@JaseT wrote:
@pinkandgrey wrote:
HELP

EVIL SHOULDER DEMON lol

Re: Help! Cap One is trying to seduce me...

SouthJamaica — Fri, 01 Mar 2019 17:36:53 GMT

@pinkandgrey wrote:
So as many of you know, I was planning on refraining from any apping in anticipation of the new Apple card later this year. However, something has happened as of yesterday. I prequaled for Cap1 Savor, Savor One, Venture, and QS. I haven’t prequaled for any Capital One cards in awhile. And yes, the APRs on all of them were solid.

Now the Savor One is a card I’ve wanted for awhile, plus the intro APR for 15 months and 150/500 SUB would be helpful for upcoming expenses. FWIW, I actually am one of the few who like Cap One. They were the first to give me a card, and their app is great.

I recently paid off my car loan, but that hasn’t reported yet. I know my score will dip a little once that gets reported, so if I were to take this prequal offer, wouldn’t it be best to do it now?

I’ve been going back and forth like crazy on this. HELP ME!!!! I’m weak and the siren call of Cap One is intensifying....

I used to be a big defender of Capital One on this forum.

Until one day they closed down both my personal credit card and my business credit card ($57,500 worth of limits) and my 15-year-old checking account.

I always paid everything on time and managed my accounts perfectly.

They never told me why they did it. I went all the way up to their "Executive Office". All they could say was that it was done in the "back office", and the "back office" doesn't tell them why.

I reminded him that federal law requires them to give a reason.

I asked the Executive Office manager I spoke to how he would feel if someone closed down his accounts, and wouldn't even tell him why -- he said he would feel angry.

They could stand on their head and I wouldn't accept any product of theirs. They are a low class, mismanaged outfit, in my book.

Re: Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 17:38:12 GMT

@Remedios wrote:
@pinkandgrey wrote:
@Remedios wrote:
@pinkandgrey Sounds to me as if you've already talked yourself into it

Good luck!
I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP
I just checked, I cant even get a platinum with my inq and new accounts
How many inq and accounts are we talking about here?

New accounts would be 1 in the last 6 months and many in the last 5 lol Inqs probably at least 5 across all bureaus more for EX. That’s why it’s strange that suddenly I prequal...

Re: Help! Cap One is trying to seduce me...

GApeachy — Fri, 01 Mar 2019 17:43:39 GMT

@pinkandgrey wrote:
@Remedios wrote:
@pinkandgrey wrote:
@Remedios wrote:
@pinkandgrey Sounds to me as if you've already talked yourself into it

Good luck!
I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP
I just checked, I cant even get a platinum with my inq and new accounts
How many inq and accounts are we talking about here?
New accounts would be 1 in the last 6 months and many in the last 5 lol Inqs probably at least 5 across all bureaus more for EX. That’s why it’s strange that suddenly I prequal...

It's a trick! Do they make money on inquiries (triple pull)? lol!!!!

Re: Help! Cap One is trying to seduce me...

JaseT — Fri, 01 Mar 2019 18:20:59 GMT

Please let me know when I should start checking the APPROVALS forum section for the outcome.

Re: Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 18:43:52 GMT

@JaseT wrote:
Please let me know when I should start checking the APPROVALS forum section for the outcome.

I see you have a few C1 cards. Care to share your experience? If you’re gonna push someone off a cliff, at least let her know what might be at the bottom lol

Re: Help! Cap One is trying to seduce me...

JaseT — Fri, 01 Mar 2019 18:58:27 GMT

@pinkandgrey wrote:
@JaseT wrote:
Please let me know when I should start checking the APPROVALS forum section for the outcome.
I see you have a few C1 cards. Care to share your experience? If you’re gonna push someone off a cliff, at least let her know what might be at the bottom lol

Although they get poo-poo'ed a lot, I am very thankful to Cap One for being the first with decent limits to take a chance on my post-BK7 self. They approved me for a $3k Platinum (now my $8.8k Quicksilver) the day of my discharge, 3/17. Six months later, another $3k Platinum (now my $5.8k Savor with grandfathered no-AF) approval, 9/17. Nearly a year ago in 5/18, they approved me for a car loan up to $40k at 6%. In 12/18, they approved me for a $15k Venture.

Never had any serious problems with them. Their cashback is super simple and their website and app are both top-notch IMO. If I were you, I'd go for the regular SAVOR and get the extra cashback the first year, and then product change to the SAVOR ONE when it comes AF time. You can then use that purdy metal Savor card as a Christmas tree ornament, in all its shiny glory!

Re: Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 19:11:09 GMT

@JaseT wrote:
@pinkandgrey wrote:
@JaseT wrote:
Please let me know when I should start checking the APPROVALS forum section for the outcome.
I see you have a few C1 cards. Care to share your experience? If you’re gonna push someone off a cliff, at least let her know what might be at the bottom lol
Although they get poo-poo'ed a lot, I am very thankful to Cap One for being the first with decent limits to take a chance on my post-BK7 self. They approved me for a $3k Platinum (now my $8.8k Quicksilver) the day of my discharge, 3/17. Six months later, another $3k Platinum (now my $5.8k Savor with grandfathered no-AF) approval, 9/17. Nearly a year ago in 5/18, they approved me for a car loan up to $40k at 6%. In 12/18, they approved me for a $15k Venture.

Never had any serious problems with them. Their cashback is super simple and their website and app are both top-notch IMO. If I were you, I'd go for the regular SAVOR and get the extra cashback the first year, and then product change to the SAVOR ONE when it comes AF time. You can then use that purdy metal Savor card as a Christmas tree ornament, in all its shiny glory!

I agree about their app and site. Sure, they like to bucket people, but Cap One is actually a good company. *strokes chin pensively* This is hard...

Re: Help! Cap One is trying to seduce me...

Anonymous — Fri, 01 Mar 2019 19:55:36 GMT

Go for it. I’ll be getting the Savor One myself if I need a 15 month 0% card, the $150 SUB is much easier to get than the Savor since the Savor doesn’t have an intro APR, and the categories are decent.

Re: Help! Cap One is trying to seduce me...

pinkandgrey — Fri, 01 Mar 2019 20:20:57 GMT

@Anonymous wrote:
Go for it. I’ll be getting the Savor One myself if I need a 15 month 0% card, the $150 SUB is much easier to get than the Savor since the Savor doesn’t have an intro APR, and the categories are decent.

Have you tried the prequal too?

Re: Help! Cap One is trying to seduce me...

Anonymous — Fri, 01 Mar 2019 20:26:10 GMT

@pinkandgrey wrote:
@Anonymous wrote:
Go for it. I’ll be getting the Savor One myself if I need a 15 month 0% card, the $150 SUB is much easier to get than the Savor since the Savor doesn’t have an intro APR, and the categories are decent.
Have you tried the prequal too?

I have all my reports frozen and I don’t know which one they SP for them. I get prequal for Plat and QS1 with them frozen but I am not looking to get any new cards until Ryzen 3000 and Navi drop 2H this year and I will be losing a repo and my last lates on EQ and EX in July (I’m going to ask for EE next month with EX for the repo) so I should be around 680-700 on all three bureaus.

Re: Help! Cap One is trying to seduce me...

AverageJoesCredit — Fri, 01 Mar 2019 23:47:19 GMT

My philosophy, YOLO #WEEBEECEEDEEBOO

#HARDPULLSAYWHAAA????

Dang @SouthJamaica, that stinks man, sorry about that experience. Yeah they would go kick rocks with Penfed lol

Re: Help! Cap One is trying to seduce me...

Anonymous — Sat, 02 Mar 2019 01:59:33 GMT

Apply now before the prequal goes away. Quit procrastinating