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Cap One Prequal on Savor Card

ecxpa
Valued Contributor

Cap One Prequal on Savor Card

So I got prequalification invite while checking the Cap One site for the Savor One card......got solid interest offer and hit the button.  Then, boom here comes the 7-10 day message.....I like the card not only for the 3% on dining but entertainment is also included.  Is this usually a denial ?....MyFico EQ 756, TU 778, EX 782; income north of 160K.  Seems like the prequal is not so solid for me

Message 1 of 18
17 REPLIES 17
randomguy1
Valued Contributor

Re: Cap One Prequal on Savor Card


@ecxpa wrote:

So I got prequalification invite while checking the Cap One site for the Savor One card......got solid interest offer and hit the button.  Then, boom here comes the 7-10 day message.....I like the card not only for the 3% on dining but entertainment is also included.  Is this usually a denial ?....MyFico EQ 756, TU 778, EX 782; income north of 160K.  Seems like the prequal is not so solid for me


Congrats on the Savor One.

Message 2 of 18
ecxpa
Valued Contributor

Re: Cap One Prequal on Savor Card


@randomguy1 wrote:

@ecxpa wrote:

So I got prequalification invite while checking the Cap One site for the Savor One card......got solid interest offer and hit the button.  Then, boom here comes the 7-10 day message.....I like the card not only for the 3% on dining but entertainment is also included.  Is this usually a denial ?....MyFico EQ 756, TU 778, EX 782; income north of 160K.  Seems like the prequal is not so solid for me


Congrats on the Savor One.


Err....I didn't get instant approval....got the "we will let you know" reply

Message 3 of 18
randomguy1
Valued Contributor

Re: Cap One Prequal on Savor Card


@ecxpa wrote:

@randomguy1 wrote:

@ecxpa wrote:

So I got prequalification invite while checking the Cap One site for the Savor One card......got solid interest offer and hit the button.  Then, boom here comes the 7-10 day message.....I like the card not only for the 3% on dining but entertainment is also included.  Is this usually a denial ?....MyFico EQ 756, TU 778, EX 782; income north of 160K.  Seems like the prequal is not so solid for me


Congrats on the Savor One.


Err....I didn't get instant approval....got the "we will let you know" reply


err must drink coffee faster. sending good vibes and speaking it to existence! Smiley Very Happy

Message 4 of 18
Remedios
Moderator

Re: Cap One Prequal on Savor Card


@ecxpa wrote:

So I got prequalification invite while checking the Cap One site for the Savor One card......got solid interest offer and hit the button.  Then, boom here comes the 7-10 day message.....I like the card not only for the 3% on dining but entertainment is also included.  Is this usually a denial ?....MyFico EQ 756, TU 778, EX 782; income north of 160K.  Seems like the prequal is not so solid for me


Could be verification. Call them and see if they need something from you. 

If it's verification, often it's just a matter of sending a text or uploading document or two 

Good luck 

Message 5 of 18
AllZero
Mega Contributor

Re: Cap One Prequal on Savor Card

Your stats look good. I'll add an early congratulations on your approval too!
Message 6 of 18
OmarGB9
Community Leader
Super Contributor

Re: Cap One Prequal on Savor Card

I mean, assuming no derogs, low util, and long history, I'd say it's probably an approval.

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Message 7 of 18
ecxpa
Valued Contributor

Re: Cap One Prequal on Savor Card

I have one 30 day late that occurred during hurricane last year  and Kohls won't remove it.....other than that I have no baddies.......AAOA is about 6 years......util is < 3 %........guess I'll have to wait it out.  Had some plans to use it a lot during Thanksgiving weekend for dining a large party of about 50 people

Message 8 of 18
gingerflower
Valued Contributor

Re: Cap One Prequal on Savor Card

I would definitely give Capital one a call it could be Verification! fingers crossed for you and I will give an early Congratulations !
Message 9 of 18
Bizambish
Regular Contributor

Re: Cap One Prequal on Savor Card

I echo what everyone has said; give them a call either to the number on the response or backdoor and see if you can expedite the process.
The only thing I can think of is that Kohl’s is issued by Cap1 so they may be holding that 30D against you in the algorithm.
Good luck! Here’s hoping all is well!


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Message 10 of 18
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