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Cap 1 Savor qualification concerning bk

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SUPERSQUID
Valued Contributor

Cap 1 Savor qualification concerning bk

I read tonight on capital one's webpage that you have to be 5 years post bk to qualify for the savor. 

Any input?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 1 of 11
10 REPLIES 10
Maker_Bayfield
Valued Member

Re: Cap 1 Savor qualification concerning bk

I know you are asking about the Savor, but I'll imput that I received the SavorOne 2 years post BK.

Message 2 of 11
SUPERSQUID
Valued Contributor

Re: Cap 1 Savor qualification concerning bk

Forgive me, i'm not so versed in the different savor versions.

The one i speak of is the savor for good credit, on their site it said 5 years post bk for that one. 

I remember seeing 2 of their savors that required excellent credit.

Is the version you speak of one of those 3 ?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 3 of 11
Maker_Bayfield
Valued Member

Re: Cap 1 Savor qualification concerning bk

I have the savorone for good credit.  Its the one that doesn't give the rewards or intro 0% apr.  They started me with a low credit line of $500 but it got my foot in the door.

Message 4 of 11
SUPERSQUID
Valued Contributor

Re: Cap 1 Savor qualification concerning bk


@Maker_Bayfield wrote:

I know you are asking about the Savor, but I'll imput that I received the SavorOne 2 years post BK.


Is that bk 7 or 13 ?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 5 of 11
Maker_Bayfield
Valued Member

Re: Cap 1 Savor qualification concerning bk

BK 7.  Filed 3/19/19 and was discharged 7/2/19savorone.png

Message 6 of 11
SUPERSQUID
Valued Contributor

Re: Cap 1 Savor qualification concerning bk


@Maker_Bayfield wrote:

BK 7.  Filed 3/19/19 and was discharged 7/2/19savorone.png

 


Does that savor have an AF ? How long ago was that approval?

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 7 of 11
FinStar
Moderator Emeritus

Re: Cap 1 Savor qualification concerning bk


@SUPERSQUID wrote:

@Maker_Bayfield wrote:

BK 7.  Filed 3/19/19 and was discharged 7/2/19savorone.png

 


Does that savor have an AF ? How long ago was that approval?


That image/screenshot is for the SavorOne card. SavorOne has no AF.  The Savor card, however, has an AF unless the account was grandfathered w/o the fee.

Message 8 of 11
Maker_Bayfield
Valued Member

Re: Cap 1 Savor qualification concerning bk

No annual fee.   Middle of Nov will be my third statement.

Message 9 of 11
SUPERSQUID
Valued Contributor

Re: Cap 1 Savor qualification concerning bk

Thank you 2 for posting in this thread. this is very valuable info regarding cap 1's savor cards.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 10 of 11
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