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Help! Cap One is trying to seduce me...

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Community Leader
Senior Contributor

Help! Cap One is trying to seduce me...

So as many of you know, I was planning on refraining from any apping in anticipation of the new Apple card later this year. However, something has happened as of yesterday. I prequaled for Cap1 Savor, Savor One, Venture, and QS. I haven’t prequaled for any Capital One cards in awhile. And yes, the APRs on all of them were solid.

 

Now the Savor One is a card I’ve wanted for awhile, plus the intro APR for 15 months and 150/500 SUB would be helpful for upcoming expenses. FWIW, I actually am one of the few who like Cap One. They were the first to give me a card, and their app is great. 

 

I recently paid off my car loan, but that hasn’t reported yet. I know my score will dip a little once that gets reported, so if I were to take this prequal offer, wouldn’t it be best to do it now? 

 

I’ve been going back and forth like crazy on this. HELP ME!!!! I’m weak and the siren call of Cap One is intensifying....

 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
28 REPLIES 28
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Moderator

Re: Help! Cap One is trying to seduce me...

If you have the planned expense where you can benefit from the approval I would go for it IMO. Potentially, you could try Savor for a spin and then downgrade to Savor One in the future.

But, if the Savor One aligns much better for your goals, then do that one. I'm sure the triple pull will be worth it if approved.
Message 2 of 29
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Moderator

Re: Help! Cap One is trying to seduce me...

@pinkandgrey   Sounds to me as if you've already talked yourself into it 

 

Good luck! 

You might be sleep deprived if you try opening car door with Samsung Pay
Message 3 of 29
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Established Contributor

Re: Help! Cap One is trying to seduce me...

Click da button!!


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 4 of 29
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Community Leader
Senior Contributor

Re: Help! Cap One is trying to seduce me...


@Remedios wrote:

@pinkandgrey   Sounds to me as if you've already talked yourself into it 

 

Good luck! 


I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 5 of 29
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Moderator

Re: Help! Cap One is trying to seduce me...


@pinkandgrey wrote:

@Remedios wrote:

@pinkandgrey   Sounds to me as if you've already talked yourself into it 

 

Good luck! 


I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP


I just checked, I cant even get a platinum with my inq and new accounts 

How many inq and accounts are we talking about here? 

You might be sleep deprived if you try opening car door with Samsung Pay
Message 6 of 29
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Established Contributor

Re: Help! Cap One is trying to seduce me...


@pinkandgrey wrote:

HELP

f4l0fc


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 7 of 29
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Community Leader
Senior Contributor

Re: Help! Cap One is trying to seduce me...


@JaseT wrote:

@pinkandgrey wrote:

HELP

f4l0fc


EVIL SHOULDER DEMON lol

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 8 of 29
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Super Contributor

Re: Help! Cap One is trying to seduce me...


@pinkandgrey wrote:

So as many of you know, I was planning on refraining from any apping in anticipation of the new Apple card later this year. However, something has happened as of yesterday. I prequaled for Cap1 Savor, Savor One, Venture, and QS. I haven’t prequaled for any Capital One cards in awhile. And yes, the APRs on all of them were solid.

 

Now the Savor One is a card I’ve wanted for awhile, plus the intro APR for 15 months and 150/500 SUB would be helpful for upcoming expenses. FWIW, I actually am one of the few who like Cap One. They were the first to give me a card, and their app is great. 

 

I recently paid off my car loan, but that hasn’t reported yet. I know my score will dip a little once that gets reported, so if I were to take this prequal offer, wouldn’t it be best to do it now? 

 

I’ve been going back and forth like crazy on this. HELP ME!!!! I’m weak and the siren call of Cap One is intensifying....

 


I used to be a big defender of Capital One on this forum.

 

Until one day they closed down both my personal credit card and my business credit card ($57,500 worth of limits) and my 15-year-old checking account.

 

I always paid everything on time and managed my accounts perfectly.

 

They never told me why they did it. I went all the way up to their "Executive Office". All they could say was that it was done in the "back office", and the "back office" doesn't tell them why.

 

I reminded him that federal law requires them to give a reason.

 

I asked the Executive Office manager I spoke to how he would feel if someone closed down his accounts, and wouldn't even tell him why -- he said he would feel angry.

 

They could stand on their head and I wouldn't accept any product of theirs. They are a low class, mismanaged outfit, in my book.


Total revolving limits 653000 (575000 reporting)

Message 9 of 29
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Community Leader
Senior Contributor

Re: Help! Cap One is trying to seduce me...


@Remedios wrote:

@pinkandgrey wrote:

@Remedios wrote:

@pinkandgrey   Sounds to me as if you've already talked yourself into it 

 

Good luck! 


I haven’t though lol. Part of me wants you all to say “go for it” and part of me wants you to talk me out of it. I have a lot of inqs.... HELP


I just checked, I cant even get a platinum with my inq and new accounts 

How many inq and accounts are we talking about here? 


New accounts would be 1 in the last 6 months and many in the last 5 lol Inqs probably at least 5 across all bureaus more for EX. That’s why it’s strange that suddenly I prequal...

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 10 of 29
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