Should I app for Savor?

[Anonymous]

I hope you didnt get a triple HP, but thanks for letting us know what happened, my one and only Cap1 card will be that, from my experience they are not worth 3 HPs for another crappy card in my op. Others had had good luck with them, I wont bother. 

[Anonymous]

Update: I did NOT get triple pulled. Infact, I didn't get pulled at all.

Just received my denial letter, most BS I've read in a while. I used a referral link from CardMatch for the $500 SUB.

Guess my option is to reapply using (1) a different referal link for $500, (2) apply regularly for $300 or (3) just not do anything.

Unfortunately, my mother has taken on short-term debt, and I'm an AU, so my score dropped 44 pts due to her using 66%+ of her limit...so I won't be probably apping for this card again for months... :/

[FinStar]

On the upside, no triple HP. You can certainly reassess your options once the utilization normalizes and your scores improve. Check the pre-qualification link at that point.

[Anonymous]

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@Anonymous wrote:

Update: I did NOT get triple pulled. Infact, I didn't get pulled at all.

Just received my denial letter, most BS I've read in a while. I used a referral link from CardMatch for the $500 SUB.

Guess my option is to reapply using (1) a different referal link for $500, (2) apply regularly for $300 or (3) just not do anything.

Unfortunately, my mother has taken on short-term debt, and I'm an AU, so my score dropped 44 pts due to her using 66%+ of her limit...so I won't be probably apping for this card again for months... :/

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Thanks for sharing.  I think this is the first time I've seen this as a denial reason.  Agree with others to keep checking the prequal page with Cap1. 

[Anonymous]

Looks like they are on to people using the $500 affiliate links and are outright denying those but at least they’re not pulling for those applications. 

[FinStar]

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@Anonymous wrote:

Looks like they are on to people using the $500 affiliate links and are outright denying those but at least they’re not pulling for those applications. 

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I suppose it depends on the source of the referral?  I wouldn't think all $500 referral links would be subject to the same scrutiny.   For instance, this recent approval:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Savor-Rewards-approved-30K-SL-500-SUB/td-p/5611081

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

Looks like they are on to people using the $500 affiliate links and are outright denying those but at least they’re not pulling for those applications. 

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I suppose it depends on the source of the referral?  I wouldn't think all $500 referral links would be subject to the same scrutiny.   For instance, this recent approval:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Savor-Rewards-approved-30K-SL-500-SUB/td-p/5611081

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I imagine Cap will be rushing to shut them down as soon as possible now that they have cut their offer to $300. 

[FinStar]

Highly doubtful, though IMO. There appears to be targeted mailers as well besides the online referrals so more than likely the Capital One [$300 SUB] site offer may prevail but there is always higher targeted offers.

[Anonymous]

I just did the Capital One prequalify and the result brought up the $500/$3000 offer but when I clicked thru to apply it reduced it to $300/$3000 -- maybe it's a glitch or something.  Odd to see that.

[heyryan]

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@FinStar wrote:

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@Anonymous wrote:

Looks like they are on to people using the $500 affiliate links and are outright denying those but at least they’re not pulling for those applications. 

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I suppose it depends on the source of the referral?  I wouldn't think all $500 referral links would be subject to the same scrutiny.   For instance, this recent approval:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Savor-Rewards-approved-30K-SL-500-SUB/td-p/5611081

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I saw an article on DoC about the SUB changing (and affiliate links still being alive), so I used TPG's referral link since I read them pretty regularly. I checked it again today, and it's still showing $500 there, so maybe YMMV? 

Edit: One other thing - I did click the affiliate link and complete the app in "Incognito Mode"