Cap One Savor Odds

[Anonymous]

Anyone apply for a Savor card without getting any prequals for a Savor. They keep giving me Quicksilver one and Platinum. My exp just st went up 37 points so I'm not sure if they are just using an old SP since i periodically check. I really want that $500 SUB.  I just Opened USBank Cash + with 10K, and an UBER Visa 5K within the last month

Eq 739 1 inq last 12 months

Tr 758 2 inq last 6 months

Ex 726 1 inq last 6 months

What do yall think. 

[Anonymous]

Cap one pre approvals are pretty solid but at the same time, there's definitely been lots of people who apply and get approved without the prequel.

[Anonymous]

Are you getting offers in the mail or are you going to their prequalify website?

I think if you're a new customer and have decent scores without any credit seeking/churning, you should be OK.

[Anonymous]

prequal site, and also get mailers for platinum card only. I used to have a quicksilver one when i first started my rebuild but canceled it after a year since it was severely bucketed with a $300 SL and only got it to 500 and didnt qualify for a product change to a the No AF quicksilver. I have opened many accounts last 24 months. I;m definitely lol/24 but have only opened those 2 new personal accounts mentioned and a Bonvoy brilliant card within the last 6 months. 

[Anonymous]

I was at 1/24 when I applied and received approval at 7% utilization.

Others might have a better idea if you will have problems given your previous relationship with them. I was receiving Savor and SavorOne prequalified offers on their website in addition to other mailers before applying. 

[Anonymous]

also forgot to mention, total credit 130K with 2% Utilization going to 1% in a week after one of my payment posts. 

[Anonymous]

If you’re only seeing prequals for QS1 and Platinum, I wouldn’t do it. There have been multiple people who have been denied with excellent credit and as little as 4 accounts in 24 months — when you are talking a hit on each bureau, you want a prequal. 

[Anonymous]

That triple pull is brutal but it makes sense since they need the most complete picture to authorize a larger $5K+ SL.

[Anonymous]

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@Anonymous wrote:

That triple pull is brutal but it makes sense since they need the most complete picture to authorize a larger $5K+ SL.

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No they really don’t. They can get the same info by doing SP on two and HP on one. It’s just their policy to do three HPs. 

[FireMedic1]

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@Anonymous wrote:

If you’re only seeing prequals for QS1 and Platinum, I wouldn’t do it. There have been multiple people who have been denied with excellent credit and as little as 4 accounts in 24 months — when you are talking a hit on each bureau, you want a prequal. 

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+1 If your only seeing the starter cards. Probably not. When it came out it was much easier to get. I got mine 2yrs out of BK. But man times have changed. People with great scores and no BK get denied and such. Ever since the CB went up and the annual fee was added that was the changing point. Thankfully I got GF'ed.