1st Card Ever (Late to the Game Admittedly) - Approved for SavorOne - Advice?

[B3ar155]

Just got approved for my first card - SavorOne 1000CL

I was nervous about getting denied since ive never had a card (10y8mo Total History)

I have about 10 different installment loans - Student/Auto and just recently started paying attention to the benefits of rewards etc

avg 670 Fico - only negative is 1 set of 30/60/90 6 years old from when autopay failed me :/

I plan on staying with this for at least 6 mo and then not sure what to go for next or if i should wait for that to drop off 

Ultimately i would have rather gone for CSP/Amex BCP (i spend 12K annually on Groc) but figured i had a better chance w/ SavorOne and the grocery category w/ no cap got me

What are your thoughts on Venture to pair or am i better switching to a different provider (i want to build up some good relationships for the long haul with at least 2 major card co)

[Sandman771]

@B3ar155 did you check the pre-qualifications on Amex?  You might have an offer that works for you there. 

[B3ar155]

@Anonymous - nada, i tried prequal on literally everything before Cap One

Nothing in Amex/Discover/WF/Apple (even though ive had 3 perfect auto loans through WF)

Not available for Chase/Citi

I think it was because of that 30/60/90 in 2015 ?

I have no other derog and even double checked Chex/Sagestream to make sure it was all good there 

[Sandman771]

wow with just that one derog that is about to come off anyway this year. I am not sure, but after a few months with Savor I'm sure there will be something there for you. I tell myself that all the time. I just have to wait and get my EX file cleared up. My lowest of all three

[gdale6]

Grats on your first ever credit card! I would build up some cc history before going for the Venture that is their top card offer, also I would wait for your lates to drop off before apping for it. Each late will drop at the 7 year mark.

[coreyb80]

Congrats on the approval!

[M_Smart007]

Congrats on your "1st Card Ever" Savor One approval .

Better late than never

[Brian_Earl_Spilner]

Congrats, I would wait on applying with chase(especially) or amex until after your report is clean to maximize starting limits.

[Mr_Mojo_Risin]

How sweet is that?! Your 1st card is always cool, glad to hear it.

Congratulations!

[surferchris]

Congrats on the approval!