So I've spent the last year or two not necessarily gardening, but trying to let my accounts get some age and history before trying any more apps. I went a little crazy in 2017 collecting new cards, which by the beginning of 2018 had me getting nothing but declines on new apps. I chilled out since then, and I picked up a few Amex business cards along the way which helped satisfy the hunger while keeping the report fairly clean.
I wanted my next app to be something that would be useful on trips abroad where Amex is problematic. I already have a QS I can use for general spend, but I wanted something useful on dining, which is my biggest spend category, especially when I travel. The Uber card was going to be it, but you all know what happened with that... so the Savor, being a passable alternative, was my second choice. I'll just downgrade it to the 3% card when it turns a year old. The $300 bonus is a nice plus as well.
I was going to wait until I was under 5/24 in January, but I got curious and impatient. Having almost no inquiries on my reports in the last 12 months, I figured I could afford some hard pulls. I figure I'll go for something awesome like a Sapphire when I'm under 5/24.
Filled out the app... one question which I haven't seen on other banks was amount of monthly credit card spend. I get the impression they like high spenders, and they probably wouldn't ask if it didn't factor into their decision, so I aimed high and put $4000... which is true sometimes. Income is a little north of 6 figures. Scores are hovering around 800. I've seen lots of reports that people with excellent credit are getting declined for this, so I was a little nervous while I waited for the app to come back.
They approved me with a $15,000 limit. I'm pretty happy with that.
I already have a QS with a $10K limit. I very rarely use it. I thought this might hurt my chances, but I guess not enough to tip the scales.
I also have a car loan with them. Not sure if that matters.
When I applied I was at 7/24... 1% util, clean report, AAOA around 2 years. I also have an Amex Delta Blue which I just got a month ago but it hasn't reported yet. Before that my newest account is the Citi Premier from July.
Congratulations on your approval!
Congrats on your Cap One Savor approval and nice SL! I just picked up the little brother SavorOne the other day with $15k SL too. 
Congratulations ! Great SL!! I am very pleased with my SavorOne!
Congratulations on your approval and nice SL!!!
Congrats! 