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SavorOne CLI Request 2-3day message

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Zoostation1
Valued Contributor

SavorOne CLI Request 2-3day message

I've got a SavorOne I've had for 6 months and change with a $3k SL.  Have put just over $2k/mo on average (avg usage is inflated above normal due to a larger purchase in Feb, but would have still been $1750-$1800 with out that).  I requested a CLI to $6k hoping I'd get something and got a 2-3 day message from them so I'm expecting a denial.   

 

EDIT:  As I'm writing this I realized I forgot to unfreeze Experian before requesting (it's the only one I had frozen). Smiley Surprised

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Feb 2025 FICO 8:
Feb 2025 FICO 9:
Message 1 of 11
10 REPLIES 10
sznthescore
Established Contributor

Re: SavorOne CLI Request 2-3day message

Let us know how it works out. Capital One is like a flip of a coin.... you never know.

REBUILDER CARDS




Goal: FICO 700+
Message 2 of 11
SUPERSQUID
Valued Contributor

Re: SavorOne CLI Request 2-3day message

Keep your eyes on your email and check your online account messages, they usually let you know the next day or so online.

My experience with my savor one 3k sl about 1 1/2 years ago is, i requested a cli at 6 months and got 100 only, my 2 requests since then have yielded nada, ymmv. I put heavy spend on the card and usually pif

During that same period my Quicksilver went from 1800 to 5000 automatically, no requests.

QS - 1800 - 2000

QS - 2000 - 5000

Good luck to you.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017
Message 3 of 11
Chazzay12
Frequent Contributor

Re: SavorOne CLI Request 2-3day message

In my experience, the 2-3 day message for CapOne has always been a denial. 

I also searched the forums when I first received that message and found that others experienced the same almost always. 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt


Take the myFICO Fitness Challenge
Message 4 of 11
JoeRockhead
Senior Contributor

Re: SavorOne CLI Request 2-3day message

Hope you get the CLI, but strong likelihood if you get a message sooner rather than later, they'll come back with a denial stating something such as "not enough time at your current limit" or "still being evaluated at your current limit", "solar flares", "asteroids".... They march to the beat of a different drummer.... Best of luck to you.

Message 5 of 11
Chazzay12
Frequent Contributor

Re: SavorOne CLI Request 2-3day message

LOL @JoeRockhead 

those solar flares & asteroids are always getting in the way of a cli 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt


Take the myFICO Fitness Challenge
Message 6 of 11
Blender
Established Contributor

Re: SavorOne CLI Request 2-3day message


@Zoostation1 wrote:

I've got a SavorOne I've had for 6 months and change with a $3k SL.  Have put just over $2k/mo on average (avg usage is inflated above normal due to a larger purchase in Feb, but would have still been $1750-$1800 with out that).  I requested a CLI to $6k hoping I'd get something and got a 2-3 day message from them so I'm expecting a denial.   

 

EDIT:  As I'm writing this I realized I forgot to unfreeze Experian before requesting (it's the only one I had frozen). Smiley Surprised


Mine had a 3k SL, I requested around maybe 160 days and was denied. Around day 165 I received an auto 2.5k CLI. I've read the first one is pretty generous. 

10/2024


Message 7 of 11
Zoostation1
Valued Contributor

Re: SavorOne CLI Request 2-3day message


@JoeRockhead wrote:

Hope you get the CLI, but strong likelihood if you get a message sooner rather than later, they'll come back with a denial stating something such as "not enough time at your current limit" or "still being evaluated at your current limit", "solar flares", "asteroids".... They march to the beat of a different drummer.... Best of luck to you.


I thnk it's very likely a denial as well.  My last CLI from them was about 6 months ago on a QS1 that's now a VentureOne, and with solid spend they  bumped that card from $2000 to $3500.  With Cap One being algorithm driven and not doing recon I wish they would just give the denial instantly like Discover does (even if it means still waiting on the reason).

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
Feb 2025 FICO 8:
Feb 2025 FICO 9:
Message 8 of 11
Traveler101
Established Contributor

Re: SavorOne CLI Request 2-3day message

Generally I have found if they are willing to increase me, it's immediate. When I have received the notice they will let me know, it been denied. They should give you reasons if that's the case. Check your account for documents.

Message 9 of 11
GTS
Contributor

Re: SavorOne CLI Request 2-3day message

I have never unfrozen for a cap1 cli and always gotten the 2-3 day pop up but about 25% of the time was approved. I just always assumed they don't ever give instant cli approvals

FICO 8/9:



Amex Gold-$no preset SL
Chase FF WEMC-$25,200 CL
Chase IHG Premier WEMC-$16,700 CL
Amex BCP-$10,000 CL
PayPal cashback WMC-$8,000 Cl
RCU Platnum Visa-$5,000 CL
Cap1 Savor One WEMC-$5,000 CL
Disco It-$8,000 CL
Disco It-$5,200 CL
Cap1 Venture One WEMC-$3,400 CL

Amex Blue Business Plus-$2000 CL
Citi Corporate MC-$5,000 CL
AU Citi AA Advantage-$30,000 CL
Message 10 of 11
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