cancel
Showing results for 
Search instead for 
Did you mean: 

Cap1 Premier Dining Approval; CS says automated system inaccurate

Highlighted
Contributor

Cap1 Premier Dining Approval; CS says automated system inaccurate

@ $5000, which is pretty normal for me. Pulled EQ and TU (Update: and EX, my bad). My info is in signature.

 

The interesting thing is this is from an app spree, where a day earlier I just got approved the Cap1 GM Buypower card for $5000. The Buypower card seems to operate in a different world, had to call different CS number to check status and etc. HP were also separate for these two applications.

 

I have a 1.5 yo Cap1 Quicksilver at $5500 with $500 monthly usage, paid full statement every month.

 

Another interesting observation for data point is my low AAOA of 1yr, and that 6 out of 7 of my credit cards were less than 1.5 yo.

 

Like another post here, I didn't get instant decision, and automated system says 10 business days. But CS says the automated system can sometimes be inaccurate, and in fact I was approved on the application day itself (confirmed by another CS), while the automated system continues to say under review until now (3 days later).

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 1 of 7
6 REPLIES 6
Highlighted
Valued Contributor

Re: Cap1 Premier Dining Approval; CS says automated system inaccurate

Congrats! Is your EX frozen? This is the second one I have seen that only pulled 2 which is rare for CapOne.
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 2 of 7
Highlighted
Valued Contributor

Re: Cap1 Premier Dining Approval; CS says automated system inaccurate

Congrats on your Cap1 approval. Looks like an interesting card from them
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 3 of 7
Highlighted
Contributor

Re: Cap1 Premier Dining Approval; CS says automated system inaccurate


@Djgrolyos wrote:
Congrats! Is your EX frozen? This is the second one I have seen that only pulled 2 which is rare for CapOne.

My bad, they pulled EX too...

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 4 of 7
Highlighted
Community Leader
Mega Contributor

Re: Cap1 Premier Dining Approval; CS says automated system inaccurate

Seems Cap One likes youSmiley Happy. Very rare to see such a high limit on the Gm BuyPower card, nice jobSmiley Happy
Message 5 of 7
Highlighted
Contributor

Re: Cap1 Premier Dining Approval; CS says automated system inaccurate


@AverageJoesCredit wrote:
Seems Cap One likes youSmiley Happy. Very rare to see such a high limit on the Gm BuyPower card, nice jobSmiley Happy

Definitely balances out how Citi has been treating me...

Nov 2018 - 770-780
Amex Gold; Paypal Cashback MC ($25,000); Citi DC ($20,000); Cap1 Savor ($5500); Chase Amazon ($18,000)
Amex BCE ($32,000), Citi ThankYou Preferred ($5,300), Discover It ($10,500), Cap1 Quicksilver ($9,500), Barclay Upromise ($4,900), US Bank Cash + ($6,500), Buypower ($5,000), Barclay Uber ($5,000),
Message 6 of 7
Highlighted
Valued Contributor

Re: Cap1 Premier Dining Approval; CS says automated system inaccurate

Citi hates me too. :/
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.