You good folks have helped me with my rebuilding and rebuiliding questions, the hardest part is actually following the advice and being patient!! But here we go.
1 year ago:
-Auto loan 12% APR
-Opened CapOne Plat $300 SL unsecured, went to $500 CL with credit steps, PC to QS
-Opened NFCU Secured card $300 deposit, in 7 months graduated to a $2k cashreward unsecured.
This week:
-NFCU autorefi denied (bummed)
-NFCU CLI request denied, CLI recon also denied (bummed)
-NFCU MoreRewards app denied, recon also denied (extra duper bummed) "we must stand by our original decision"
-CapOne QS CLI to $600 (a little bummed but I took the CLI)
-CapOne auto refi APPROVED 6% APR
Enter The Savior to save me from all these NFCU denials.
Out of nowhere I get an email from CapOne stating I'm prequalified for SavorOne, 9 months 0% intro apr, 24.99% apr after. Now I had 0 intention on apping for a SavorOne anytime soon due to 1) lack of prequal option for Savor/Venture on website 2) fear of being a bucketed card and 3) CapOne's reputation on CLIs. I had my focus on MoreRewards. After comparing the 2 it looked like SavorOne rewards are almost as good as MoreRewards including having entertainment at 3% (making SavorOne the card to have for entertainment) so I decided to go for it. Current total util 45% and $7 available credit on QS. I apped through the prequalifed link in the email and..
APPROVED!!! $3,000 SL
It's a great day to be a CapOne customer, an auto refi dropping 6 points on my APR and my best CC to date! The Savior!!
