topic Re: The Savor Situation in Credit Card Applications

The Savor Situation

Patient957 — Mon, 13 Apr 2026 00:29:39 GMT

I'm interested in the Savor card. I have a Venture X ($30K CL) and a Venture One ($10K CL). I've had the V1 for 3 yrs and VX for a year.

Fico 8s 797 to 806. New revolving accounts 3/24, 2/12, 0/6.

Capital One preapproval shows only secured cards, and it's been that way since I got the VX last April. I think the reason might be because the $40K in combined limits is the max they're willing to extend right now.

I found two posts online with nearly identical fact patterns. One applied anyway and was approved. The other requested CLD on existing cards, waited two months, got preapproval, then applied and was approved.

I don't use my V1, but I do want to keep it. If I got a small Savor approval, I could reallocate most of that limit to the Savor.

So I'm considering three options:

1) Just apply anyway.

2) CLD the V1 and wait for preapproval down the road (my least favorite option, but I'm not ruling it out yet.)

3) Bugger off and forget about the Savor for now. There are other options that won't be a 3x HP.

I'm about a coin flip between 1 and 3.

I know people generally consider Cap One preapprovals reliable. But are they generally the 'no means no' type?

What say you all?

Re: The Savor Situation

ElvisCaprice — Sun, 12 Apr 2026 01:30:37 GMT

@Patient957 wrote:
I'm interested in the Savor card. I have a Venture X ($30K CL) and a Venture One ($10K CL). I've had the V1 for 3 yrs and VX for a year.

Fico 8s 797 to 806. New revolving accounts 3/24, 2/12, 0/6. Income ~$120K.

Capital One preapproval shows only secured cards, and it's been that way since I got the VX last April. I think the reason might be because the $40K in combined limits is the max they're willing to extend right now.

I found two posts online with nearly identical fact patterns. One applied anyway and was approved. The other requested CLD on existing cards, waited two months, got preapproval, then applied and was approved.

I don't use my V1, but I do want to keep it. If I got a small Savor approval, I could reallocate most of that limit to the Savor.

So I'm considering three options:

1) Just apply anyway.

2) CLD the V1 and wait for preapproval down the road (my least favorite option, but I'm not ruling it out yet.)

3) Bugger off and forget about the Savor for now. There are other options that won't be a 3x HP.

I'm about a coin flip between 1 and 3.

I know people generally consider Cap One preapprovals reliable. But are they generally the 'no means no' type?

What say you all?

I'm not a big fan of C1. So really, only the SUB's would interest me but man, 3 HP's, uggh. I don't know why you want to keep the V1? But another option would be to product change it to the Savor. That way you retain the CL, age and no HP's.

Re: The Savor Situation

Varsity_Lu — Sun, 12 Apr 2026 01:34:57 GMT

Love my Savor card! In your case a product change to the Savor is probably your best option. You won't get the SUB, but you'll have a very useful 3% no AF card without any inquiries or new account penalties. Some people swear by the VX-Savor combo.

Re: The Savor Situation

Patient957 — Sun, 12 Apr 2026 01:44:56 GMT

@ElvisCaprice wrote:
I don't know why you want to keep the V1?

Because it's the only no AF card that gives access to C1 transfer partners. If I ever do get rid of the VX, I can still transfer miles out. It's not a hugely likely scenario, but it could happen if, for example, they raise the AF a lot on the VX. Then I could close the VX without losing transfer partner access.

But another option would be to product change it to the Savor. That way you retain the CL, age and no HP's.

I would consider this if the Savor appeared in my upgrade options, but it doesn't. Can I call and request a PC even if it's not offered in my account? I always thought it had to be there or you couldn't get it.

Re: The Savor Situation

ElvisCaprice — Sun, 12 Apr 2026 01:53:22 GMT

@Patient957 wrote:
@ElvisCaprice wrote:
I don't know why you want to keep the V1?
Because it's the only no AF card that gives access to C1 transfer partners. If I ever do get rid of the VX, I can still transfer miles out. It's not a hugely likely scenario, but it could happen if, for example, they raise the AF a lot on the VX. Then I could close the VX without losing transfer partner access.

But another option would be to product change it to the Savor. That way you retain the CL, age and no HP's.
I would consider this if the Savor appeared in my upgrade options, but it doesn't. Can I call and request a PC even if it's not offered in my account? I always thought it had to be there or you couldn't get it.

Definitely, call them, can't hurt, there are data points to success with this PC, V1 to Savor. Then if you ever decide to get rid of the Venture X, just downgrade it with a PC to the V1.

Re: The Savor Situation

Patient957 — Sun, 12 Apr 2026 01:51:51 GMT

@Varsity_Lu wrote:
Love my Savor card! In your case a product change to the Savor is probably your best option. You won't get the SUB, but you'll have a very useful 3% no AF card without any inquiries or new account penalties. Some people swear by the VX-Savor combo.

Currently the upgrades that show up as offers in my account are QS and Venture, no Savor. So same question, can I call and request a PC that isn't offered in my account?

Re: The Savor Situation

ElvisCaprice — Sun, 12 Apr 2026 01:54:44 GMT

@Patient957 wrote:
Currently the upgrades that show up as offers in my account are QS and Venture, no Savor. So same question, can I call and request a PC that isn't offered in my account?

Do it. What do you have to lose by calling and asking?

Re: The Savor Situation

Patient957 — Sun, 12 Apr 2026 01:54:13 GMT

@ElvisCaprice wrote:
Definitely, call them, can't hurt, there are data points to success with this PC, V1 to Savor. Then if you ever decide to get rid of the Venture X, just downgrade it with a PC to the V1.

Good call. I'll try this.

Re: The Savor Situation

Patient957 — Sun, 12 Apr 2026 17:43:17 GMT

@ElvisCaprice wrote:
@Patient957 wrote:
Currently the upgrades that show up as offers in my account are QS and Venture, no Savor. So same question, can I call and request a PC that isn't offered in my account?
Do it. What do you have to lose by calling and asking?

I called and asked. No go. You can only PC to products offered by the system. The system thinks a QS or Venture might be appropriate for me, even though I already have a VX. Not the sharpest tool in the shed, this system. The rep I spoke with understood why the current offers make no sense for me, but as we all know, at C1, the computers run the show.

So I'm back to my original question regarding a new app. Just apply or CLD first? Anyone have any advice on this specific question or am I on my own?

Re: The Savor Situation

pizzadude — Sun, 12 Apr 2026 18:11:21 GMT

If your overall credit profile and history with Cap1 is good and you don't mind the triple HP then I'd say go for it. Not sure that you can rely on their pre-approval suggestions to derive the max exposure they'll offer to you.

If it's the 3% CB that your are after, then there are many other options / creditors which you could consider who'd pull only one CRA.

Re: The Savor Situation

Patient957 — Sun, 12 Apr 2026 19:16:07 GMT

@pizzadude wrote:
If your overall credit profile and history with Cap1 is good and you don't mind the triple HP then I'd say go for it. Not sure that you can rely on their pre-approval suggestions to derive the max exposure they'll offer to you.

If it's the 3% CB that your are after, then there are many other options / creditors which you could consider who'd pull only one CRA.

Yes, I'm looking for the 3x multipliers on a card that can give cash back or flexible points currency, which narrows the possibilities a lot.

I'm also considering Citi Strata Premier. It has similar multipliers but a $95 AF. But Citi's transfer psrtners are probably better for me, so it might be worth it. There's rumors they might improve this card, or nerf it, so that's a consideration too.

Re: The Savor Situation

ElvisCaprice — Sun, 12 Apr 2026 22:53:24 GMT

Cap 1 blows. Multiple CCC's are better than a Savor. I would start with switch over to Citi. What's nice about Citi is you can get good cash back or travel points. Especially if your in an American Airline hub. And Citi only pulls one bureau. For myself it's EQ (Arizona)

Note: Citi's preapp is poor at best.

Re: The Savor Situation

Patient957 — Mon, 13 Apr 2026 00:30:26 GMT

@ElvisCaprice wrote:
Cap 1 blows. Multiple CCC's are better than a Savor. I would start with switch over to Citi. What's nice about Citi is you can get good cash back or travel points. Especially if your in an American Airline hub. And Citi only pulls one bureau. For myself it's EQ (Arizona)
Note: Citi's preapp is poor at best.

Yes, I'm probably going to apply for the Strata Premier and downgrade my Strata Elite to a second CCC in October when the 2nd AF hits. So I'm well on my way with Citi already.

But in C1's defense, they answered my call basically immediately, near zero hold time, the rep was as American as apple pie, and she told me no very politely. So it's no all bad.

Re: The Savor Situation

Varsity_Lu — Mon, 13 Apr 2026 01:30:06 GMT

@Patient957 wrote:
I called and asked. No go. You can only PC to products offered by the system. The system thinks a QS or Venture might be appropriate for me, even though I already have a VX. Not the sharpest tool in the shed, this system. The rep I spoke with understood why the current offers make no sense for me, but as we all know, at C1, the computers run the show.

So I'm back to my original question regarding a new app. Just apply or CLD first? Anyone have any advice on this specific question or am I on my own?

Cap One's offers change all the time, and I've found it usually takes something to trigger the change. You could PC the V1 to QS and then see what offers the give you in 6 months. That's what I would do. There is no harm in that. To be honest, the QS is a better card than V1, especially since you already have VX. V1 does nothing for you.

Re: The Savor Situation

FicoMike0 — Mon, 13 Apr 2026 01:40:38 GMT

That's surprising they won't pc to savior. They seem to be pushing it. P2 gets messages all the time to app savior. She's not interested, since I have savior. They pced a qs to savior for me. I have another card, commerce bank visa, that has the same 3% cats. My complaint is slow cl growth. I've gone from $2000 to $4600, $400 at a time.

Re: The Savor Situation

Varsity_Lu — Mon, 13 Apr 2026 01:44:48 GMT

@Patient957 wrote:
But in C1's defense, they answered my call basically immediately, near zero hold time, the rep was as American as apple pie, and she told me no very politely. So it's no all bad.

I've always had good experiences with Capital One customer service, too. Citi, however, consistently ranks the absolute worst in customer service year in and year out. They are referred to as $*itibank for a reason. Even their employees hate them. Only WF beats them in employee dis-satisfaction and turnover.

Re: The Savor Situation

Patient957 — Mon, 13 Apr 2026 03:57:40 GMT

@Varsity_Lu wrote:
@Patient957 wrote:
I called and asked. No go. You can only PC to products offered by the system. The system thinks a QS or Venture might be appropriate for me, even though I already have a VX. Not the sharpest tool in the shed, this system. The rep I spoke with understood why the current offers make no sense for me, but as we all know, at C1, the computers run the show.

So I'm back to my original question regarding a new app. Just apply or CLD first? Anyone have any advice on this specific question or am I on my own?
Cap One's offers change all the time, and I've found it usually takes something to trigger the change. You could PC the V1 to QS and then see what offers the give you in 6 months. That's what I would do. There is no harm in that. To be honest, the QS is a better card than V1, especially since you already have VX. V1 does nothing for you.

I'll try this

Update: done. Let's see what happens.

Re: The Savor Situation

RobertS2 — Mon, 13 Apr 2026 21:45:05 GMT

@Patient957 wrote:
@Varsity_Lu wrote:
@Patient957 wrote:
I called and asked. No go. You can only PC to products offered by the system. The system thinks a QS or Venture might be appropriate for me, even though I already have a VX. Not the sharpest tool in the shed, this system. The rep I spoke with understood why the current offers make no sense for me, but as we all know, at C1, the computers run the show.

So I'm back to my original question regarding a new app. Just apply or CLD first? Anyone have any advice on this specific question or am I on my own?
Cap One's offers change all the time, and I've found it usually takes something to trigger the change. You could PC the V1 to QS and then see what offers the give you in 6 months. That's what I would do. There is no harm in that. To be honest, the QS is a better card than V1, especially since you already have VX. V1 does nothing for you.
I'll try this

Update: done. Let's see what happens.

Did you end up flipping a coin?

Re: The Savor Situation

Patient957 — Wed, 15 Apr 2026 01:24:30 GMT

@RobertS2 wrote:
Did you end up flipping a coin?

Not literally, but I have made a decision with the helpful advice in this thread.

@ElvisCaprice made me realize that my reason for keeping the Venture One was bunk. @Varsity_Lu gave the idea to PC it to the QS to see if over time that changes my upgrade options to include Savor. So I PC'd to QS.

In the meantime, I'll be applying for the Citi Strata Premier. I'm more interested in earning TYP over anything else anyway, so it works. I may also get the Double Cash to round out my Citi lineup, which eventually will be CSP, DC, CCC x2.

If I never get the Savor, I'll just keep swiping my Citi cards. If C1's algorithms don't want my business, no problemo.

Re: The Savor Situation

Wavester64 — Tue, 28 Apr 2026 17:49:34 GMT

I am surprised people still want the Savor Card in this climate with the way things are. First off, 3 (count em, THREE) hard pulls, which to me if I could do it all over again, I wouldn't have gotten C1 cards for that reason alone. Secondly, with it being mainly a 3% CB for dining card, and for me everyone and their grandmother is charging for using a CC in Food Establishments (most cases 2.5-3.99%) makes the Savor that much less desirable.