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Cap1 Savor.... first app in two years

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Established Contributor

Cap1 Savor.... first app in two years

APPROVED!

Decided to bite on this one because my dining spending is far more than I wish it was. I havent applied for any new accounts in over two years. I was stuck with a lot of lower limits but ive slowly worked them up to higher limits with CLIs.

I had a preapproval in capital one accepted my application with a $20,000 starting limit but the highest APR. HOLY COW. My FICOs are still hovering around the 670 mark but I have about 4 years of perfect history under my belt after some late payments and collections.

I plan on using this for the $500 sign up bonus and the free year then consolidating or seeing if they’ll let me downgrade to savor1.

Super happy to see my patience paying off!
Message 1 of 8
7 REPLIES 7
Community Leader
Mega Contributor

Re: Cap1 Savor.... first app in two years

Congrats on the patienceSmiley Happy if i can make 2 years no apps, i might even get an UncleB Like a Boss gifSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 2 of 8
Senior Contributor

Re: Cap1 Savor.... first app in two years

Congrats on your approval  and monster SL !!!

2 years without no app .. ill give u around applause just for that

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 8
Regular Contributor

Re: Cap1 Savor.... first app in two years

Congrats on the approval and monster SL.
Message 4 of 8
Valued Contributor

Re: Cap1 Savor.... first app in two years


@cy1215 wrote:
... I havent applied for any new accounts in over two years ...


Is this what they call "abstinance"? Wow, such will power. I'd need a rubber room.

And Congrats! cy on a terrific approval.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (01/18/2020): FICO 08 EXP: 744; TU: 748; EQ: 748
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 5 of 8
Super Contributor

Re: Cap1 Savor.... first app in two years

Welcome to the Savor Family! Congrats on the 20g's. Its a great card. light em up............

lights(1).gif





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 6 of 8
Senior Contributor

Re: Cap1 Savor.... first app in two years

Congratulations on the massive SL!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 8
Valued Contributor

Re: Cap1 Savor.... first app in two years

Pretty sure they just awarded your loyalty for being the 1st app in 2 years Smiley Happy.  Congrats!!



Message 8 of 8
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