Capital One pre approval questions?

[Anonymous]

 

Hey guys, quick question. I received this pre-approval email from Capital One today. I know the Savor One generally has an AF but I've looked through everything in the email and link and it appears this offer does not have an AF. Also, 9 months 0% intro APR. My question is when you receive these types of pre-approvals from Capital One are they still going to triple hard pull from all the bureaus?  Thoughts? Thanks.

[addicted_to_credit]

Congratulations on your offer! I states no annual fee so you're good to go there. It is cap1 so I'd expect the triple whammy, if you don't get them then you've caught a unicorn!

[AllZero]

As above, expect a triple pull

Savor $95 annual fee.
Savor One No annual fee. 1% less on dining and restaurant rewards.

https://www.capitalone.com/credit-cards/dining-and-entertainment/

[FinStar]

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@Anonymous wrote:

Hey guys, quick question. I received this pre-approval email from Capital One today. I know the Savor One generally has an AF but I've looked through everything in the email and link and it appears this offer does not have an AF. Also, 9 months 0% intro APR. My question is when you receive these types of pre-approvals from Capital One are they still going to triple hard pull from all the bureaus?  Thoughts? Thanks.

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To my knowledge, the Savor One doesn't have any AF.  The Savor does, however.  That said it appears you received one of the "alternative" offers that do not have a SUB and the go-to APR is fairly higher.  I would pass on the offer unless you're dead-set on the approval terms and the SUB is a non-event for you.

And, yes, if you accept the offer it'll be a triple whipple.

[Anonymous]

Thanks guys. I'll pass on this one. The last thing i need is another card that gets bucketed and won't grow long term. 

[Anonymous]

Maybe if i call they will PC my quicksilver card. I have 2% on everything with PenFed so I'll likely never use it. They already PC'd me to the quicksilver from the platinum so we will see.

[Anonymous]

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@Anonymous wrote:

Maybe if i call they will PC my quicksilver card. I have 2% on everything with PenFed so I'll likely never use it. They already PC'd me to the quicksilver from the platinum so we will see.

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Odds are that QS is bucketed. Still good to see an offer. Good luck if you do go with it! 

[Anonymous]

Congrats on the offer and thanks for the sharing the screenshot @Anonymous .  I've been receiving invitations to apply daily which is clearly different from a pre-approval email.  Now I know what to look for. 

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@Anonymous wrote:

 

Hey guys, quick question. I received this pre-approval email from Capital One today. I know the Savor One generally has an AF but I've looked through everything in the email and link and it appears this offer does not have an AF. Also, 9 months 0% intro APR. My question is when you receive these types of pre-approvals from Capital One are they still going to triple hard pull from all the bureaus?  Thoughts? Thanks.

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[blindambition]

That's the Saver One pre-approval for Good credit. A tier below Excellent. They offer short promo period, but no SUB and higher APR.

Yes 3 HP. Saver One has no AF!

[Anonymous]

Yeah, I know my quicksilver is bucketed and I also don't use it anymore and in all honesty, wouldn't use this one either. I get 2% on everything through PenFed so the 1% bump on dining only definitely isn't worth 3 HP's.