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Capital one Savor 7-10 day message

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Contributor

Capital one Savor 7-10 day message

What’s the 7-10 day verbiage that everyone referred to? I received one that says we cannot approve your application at this time. I’m assuming this is a straight denial ?

FICO EQ: 720 EX: 713 TU 721

5/3 Stand Up 2 Cancer $4k, Citi Diamond $6.5k, Citi Double Cash $6.5k, Citizens Bank Cashback Plus $4.6k, Chase Amazon $3k, Chase Hyatt $16k, Chase Starbucks $10k, Chase IHG $16k, Amex Hilton $21.4k, Amex Everyday $5k, CSR $10.5k, Amex Cash Magnet $5k, NFCU Amex $6k, NFCU cashRewards $22k, Discover IT $19k, Discover Miles $5k, Commence WM $7.5k, PenFed Cash $2.5k, PenFed Promise $15k

Message 1 of 5
Frequent Contributor

Re: Capital one Savor 7-10 day message

If I recall correctly, with Cap One I think it's verification. Give them a call tomorrow and ask 

Message 2 of 5
Regular Contributor

Re: Capital one Savor 7-10 day message

7-10 day message with apps can be simple like needing verification. People have called in and been transferred to the fraud dept for identification verification then been approved but of course nothing is 100% with credit
Sep 2018 Fico 8 scores: High 500's.
April 2019 Fico 8 scores: Ex 670, EQ 698 TU 679
Goal scores: 710-720 ish
Goal credit line: $20,000 - 25,000

Cap 1 QS: 750 CL, Cap 1 QS1: $2000 Credit one: $300 CL
Discover: $9500 CL.
Message 3 of 5
Valued Contributor

Re: Capital one Savor 7-10 day message

That particular wording sounds like a denial to me, but if it is in review, there’s still a good shot at approval. Cap One always seems to give the pending message for this card. 

Good luck!

Discover It: 18.7k
Amex BCE: 18k
Citi DC: 4.7k
Once you go Berner, you never go back.
Message 4 of 5

Re: Capital one Savor 7-10 day message

When I applied for Capital One Savor, I received:

"we’re in the process of reviewing your application. This is a standard step in our application process and we’ll be in touch shortly with more information. " 


I called in and it said 7-10 days. I called them up and after a few days of back and forth, they finally transferred me to verification/fraud and it went to approved. If your automated reply message is different, it could mean you're on a different path than my application.

Message 5 of 5