Credit Journey - AMEX BCE Prequal - Denied - Cap1 Prequal SaverOne - Denied - want a 3rd card.

[Anonymous]

And if you're going to pay $95 you might as well get BCP for 6% on groceries / streaming services and the other tiers of rewards associated with it.

[OmarGB9]

Just wanted to chime in, everyone is bashing on OP for wanting a SavorOne and claiming the $95 AF, but only the Savor carries the AF. The SavorOne does not. Only difference is the groceries is 3% on the Savor One instead of 4% on the Savor, and the SUB is $150 on SavorOne instead of $300.

OP, I would cool it for 6-12 months and then try again if you really want that card.

[Anonymous]

nobody's bashing the OP omar, and you must read more carefully because i said the savor has an AF, not savorOne. Also, neither one has got 3% or 4% on groceries like you are saying.

[Anonymous]

LOL so being curious CK now says my approval chances for a "Capital One® SavorOne® Cash Rewards for Average Credit" is Poor. With a worse vantage score and higher utlization it said very good. An extra HP takes it from very good to poor? Total nonsense as others have said. Not that I'm applying for anymore credit for the next year just was curious. 

Is CK really just a marketing tool for advertisers and it's only usage is just for some free credit monitoring? Vantage score is mostly pointless. 

[Anonymous]

i can tell you, the card approval chances listed on places like that are just baloney. it's all a marketing gimmick to try and push you into applying so that they'll get a referral fee. even the ones on experian are phoney. so if you don't get a preapproval directly on the website of the creditcard issuer basically forget it. your odds went to poor because they know you apped and got denied, it's got nothing to do with the inq. my odds for every single card in existance shot up to "best" on experian now that they know i got approved for amex and barclays. they're saying i can get chase and a citi cards now, that's a total lie and i know it.

so it's a better way to just look on the forum here in the approval section to see your chances of approvals for each card. that's why i was saying to you what your odds are like on the uber card. knowing examples of approval criteria is helpful for knowing what to app for and when to do it.

[OmarGB9]

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@Anonymous wrote:

LOL so being curious CK now says my approval chances for a "Capital One® SavorOne® Cash Rewards for Average Credit" is Poor. With a worse vantage score and higher utlization it said very good. An extra HP takes it from very good to poor? Total nonsense as others have said. Not that I'm applying for anymore credit for the next year just was curious. 

Is CK really just a marketing tool for advertisers and it's only usage is just for some free credit monitoring? Vantage score is mostly pointless. 

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Exactly. 

[Anonymous]

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@OmarGB9 wrote:

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@Anonymous wrote:

LOL so being curious CK now says my approval chances for a "Capital One® SavorOne® Cash Rewards for Average Credit" is Poor. With a worse vantage score and higher utlization it said very good. An extra HP takes it from very good to poor? Total nonsense as others have said. Not that I'm applying for anymore credit for the next year just was curious. 

Is CK really just a marketing tool for advertisers and it's only usage is just for some free credit monitoring? Vantage score is mostly pointless. 

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Exactly. 

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Just for more data points being curious... Somehow I was pre-selected on CK for CreditOne and now it's fair approval chances with the credit one pre-selected offer revoked... Chances go down when my score improves for something that is extremely easy to get what? Maybe they'll stop sending me their crap now Perhaps this is encourgement to micromanage my payments so my UTL is 5% or lower.

Hopefully this post adds some datapoints about CKs crap. 

I want to see if CreditOne would pre-qualify me now or just deny me for the entertainment but that is a bad idea. I'll see if they send me more stuff in the mail. 

[Jannelo]

Have you thought about doing a self-lender loan to give you a better credit mix, which helps your FICO score and credit file?  I also want the SavorOne one day.    I thought their pre-quals were solid, so that is surprising you were denied.

[Anonymous]

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@Jannelo wrote:

Have you thought about doing a self-lender loan to give you a better credit mix, which helps your FICO score and credit file?  I also want the SavorOne one day.    I thought their pre-quals were solid, so that is surprising you were denied.

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Just looked and it doesn't interest me as it costs me money and no plans to borrow money right now. 

[Anonymous]

You're lending yourself money and in most cases get paid interest on the collateral you put into the account.