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Capital One Savor Denied

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Capital One Savor Denied

"matched" to this card by experian.com where my FICO 8 was reported as 813.

Credit Utilization: 4%

Annual Income: $390,000.  Rent: $1800/month.

 

DECLINED for the card & now with hard pulls on my credit report.

Called capital one directly.  They couldn't give me a reason.  Spoke with a supervisor who gave me a polite but firm: "I can't help you.".

 

Already have two cards with them and am tempted to cut them up & return them.

But I'd be cutting off my nose to spite my face.

FICO: 814 EQ / 799 TU / 804 EXP
utilization: 4%, total lines: $134K
Message 1 of 21
20 REPLIES 20
New Contributor

Re: Capital One Savor Denied

Sorry about the rejection. Unfortunately calling likely won't work, don't think that the reps can overturn those algorithm based decisions.





Message 2 of 21
Community Leader
Senior Contributor

Re: Capital One Savor Denied


@southern_sandman wrote:

"matched" to this card by experian.com where my FICO 8 was reported as 813.

Credit Utilization: 4%

Annual Income: $390,000.  Rent: $1800/month.

 

DECLINED for the card & now with hard pulls on my credit report.

Called capital one directly.  They couldn't give me a reason.  Spoke with a supervisor who gave me a polite but firm: "I can't help you.".

 

Already have two cards with them and am tempted to cut them up & return them.

But I'd be cutting off my nose to spite my face.


Yep, don't do that. In hindsight, they may have done you a favor so you don't have a lot of your eggs in one basket. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 21
Regular Contributor

Re: Capital One Savor Denied


@southern_sandman wrote:

"matched" to this card by experian.com where my FICO 8 was reported as 813.

Credit Utilization: 4%

Annual Income: $390,000.  Rent: $1800/month.

 

DECLINED for the card & now with hard pulls on my credit report.

Called capital one directly.  They couldn't give me a reason.  Spoke with a supervisor who gave me a polite but firm: "I can't help you.".

 

Already have two cards with them and am tempted to cut them up & return them.

But I'd be cutting off my nose to spite my face.


Were you prequalified for it though?  I'm prequalified for it again after it disappeared when I got approved for the Prestige. I'm reading so much from people being prequalified and getting denied that I may really have to garden for two years for it.

AmEx Platinum NPSL l BoA Cash Rewards $40,000 l CapOne Quicksilver $24,000 l AmEx Blue Cash $17,000 l Citi Prestige $15,500 l AmEx Platinum Delta $11,000 l AmEx Cash Magnet $10,500 l CapOne Savor $10,000 l Citi Simplicity $10,000 l Amazon Store Card $10,000 l Discover IT $8,000 l Discover IT $7,000 l Chase Sapphire Preferred $7,000 l Chase Freedom Unlimited $6,000 l Chase Marriott Bonvoy $5,000 l Mercurycard $5,000 l Chase Amazon $4,000 l Citi Double Cash $4,000

Back to the garden forever
Message 4 of 21
Regular Contributor

Re: Capital One Savor Denied

I was 6/24 when I got my Savor one.  Although 6/24, it had been about 10 or 11 months since I had applied or opened any account.  I was pre-approved before I applied though and was approved.


Message 5 of 21
Senior Contributor

Re: Capital One Savor Denied

Once they made the Sav1 and upped the Savor with the SUB and AF. They've made this a tough card to get. I was lucky enough to get it when it first hit the website the day it went live. Sorry about the denial. It is a head scratcher why people with excellent scores and histories get turned down. But others with somewhat decent credit get approved.Things that make you go .Hmmmmmmmmmm





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 6 of 21
Established Member

Re: Capital One Savor Denied

Cap1 has been stingy in general though lately. My income rose 15k annual, my score went up 80 points (730), i have NO rent or mortgage (own my home free and clear), no negatives at all, and they gave the request cli soft option in app, but declined it. No CLI since month 5, and acct is at 3 years/still 1300 limit. Meanwhile, most of my cards have $6500-10k limits. Overall utilization under 20%, many 0 blance, And my car note ? Near 20% of a 3 yr paid off in 3 months. No rhyme or reason at Capitol One these days, so I'm no longer using it except 1 recurring charge which i pay immediately. Not bothering with them any more.
Message 7 of 21
Valued Contributor

Re: Capital One Savor Denied


@southern_sandman wrote:

 my FICO 8 was reported as 813.

Credit Utilization: 4%

Annual Income: $390,000.  Rent: $1800/month.

 

 


So Sorry that happened.  What are your other two cards with Cap1 and cl's?  

"My Take Home Pay Don't Take Me Home"
Exp: 720 Eq: 744 Tu: 736
Message 8 of 21
Community Leader
Senior Contributor

Re: Capital One Savor Denied


@EdenL wrote:
Cap1 has been stingy in general though lately. My income rose 15k annual, my score went up 80 points (730), i have NO rent or mortgage (own my home free and clear), no negatives at all, and they gave the request cli soft option in app, but declined it. No CLI since month 5, and acct is at 3 years/still 1300 limit. Meanwhile, most of my cards have $6500-10k limits. Overall utilization under 20%, many 0 blance, And my car note ? Near 20% of a 3 yr paid off in 3 months. No rhyme or reason at Capitol One these days, so I'm no longer using it except 1 recurring charge which i pay immediately. Not bothering with them any more.

And this is the reason why Cap 1 is stingy unless this is a bucketed card. Cap1 wants you to use their card. 

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $18.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 9 of 21
Contributor

Re: Capital One Savor Denied

Serious question, why did you want it? There seems to be better options out there that you would be eligible for.
Message 10 of 21
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