I just got approved for the SavorOne with a SL of $300 (which is the best card that I have ever gotten). As I was reading the Account Opening Disclosures documents that followed my approval I saw that it stated that my crdit score was 587 on experian which is not correct. My signature has my current credit scores and they are higher then the number they stated. With that in mind would it be possible to reach out to them to recondider my starting limit?
@CreditNoob wrote:I just got approved for the SavorOne with a SL of $300 (which is the best card that I have ever gotten). As I was reading the Account Opening Disclosures documents that followed my approval I saw that it stated that my crdit score was 587 on experian which is not correct. My signature has my current credit scores and they are higher then the number they stated. With that in mind would it be possible to reach out to them to recondider my starting limit?
you're likley seeing experian FICO 3, I've seen that used recently from cap1 VX pre-approval denials
on the experian/myfico site, can you see your FICO 3 and see if that's the same score?
they won't recon your limit, at 6 months you'll likely be able to ask for a CLI which you will probably get a $100 CLI
Congrats on the new card!
@GZG you were right on they used my FICO 3 score it was an exact match. I thought credit card companies used FICO 8 or FICO 9 only I am supprise they are using an older model. I never paid attention to FICO 3 until today.
SavorOne is definitely one of their better cards so treat it good and hopefully they'll raise it a little, but don't expect too much from C1. Congrats!
@CreditNoob wrote:@GZG you were right on they used my FICO 3 score it was an exact match. I thought credit card companies used FICO 8 or FICO 9 only I am supprise they are using an older model. I never paid attention to FICO 3 until today.
Capital One is odd. I believe they look at Equifax FICO 5, TransUnion FICO 4, and Experian FICO 3. Those are old mortgage scores, but Cap1 is about the only place that uses FICO 3, so it gets lumped in with credit card scores now.
Yes, most cedit card places look at FICO 8 or 9 or Bankcard 8 or Bankcard 9 - or some, like Chase, use their own internal scores. Cap1 marches to a different drummer, on a different field, with one shoe on and one shoe off.
EQ8 787, TU8 755, EX8 760 as of August 11
