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Is Capital One Inquiry Sensitive? Update: Approved

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Valued Contributor

Re: Is Capital One Inquiry Sensitive?

OP - are you prequalified?

If so, I would think you will be just fine as long as you have no record of being a churner.

I got approved for $30k with a CR average of 700  but I have spent a lot with Cap One over the last 4 years.

 

 

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship & Syncrony






Message 11 of 21
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Established Member

Re: Is Capital One Inquiry Sensitive?

I’m not coming up with any prequalified offers, I’m fairly certain that I opted out a few years back because I got sick of the junk mail.

I wouldn’t consider myself a churner, certainly not to the level of some people. Though I have over the past couple years gotten a couple cards with annual fees to try them out while the SUB offset the cost and than decided to PC them to a non annual fee card. These would be the Citi Thank You Premier (now a Double Cash) and the Chase Sapphire Reserve ( Now a Freedom).

I honestly don’t know what qualifies as a “churner”.
Message 12 of 21
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Moderator

Re: Is Capital One Inquiry Sensitive?

If you have opened up more than say 6 cards in the last 2 years I would avoid them although no one knowz Cap1 and their "rules" they have certainly became anti churners and the Venture and now the "new" savor card has been slaughtering people with 800+ credit scores, but people with mid 600's+ are getting approved assuming they haven't applied for alot of credit in the last few years.. If you have applied for alot of credit being say 5-6 cards in last two years I would avoid them, if less then you are probably golden.  Just my 2 cents to offer

Message 13 of 21
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Established Member

Re: Is Capital One Inquiry Sensitive?

Thanks for the heads up now I’m torn. I’ve opened 5 cards in the past 2 years. I may have to wait a few months as that will bring that number down to 3.
Message 14 of 21
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Established Member

Re: Is Capital One Inquiry Sensitive?

UPDATE: I am impatient and got a itchy trigger finger...I just went for it and got instantly approved for 15k starting limit with 21%APR (kinda high but I never carry a balance). Thanks for all the info and help on this guys!
Message 15 of 21
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Super Contributor

Re: Is Capital One Inquiry Sensitive?

Congrats! Welcome to the Savor family. Looks like 15k is the norm right now. Got mine at 10k last year 2 yrs out of BK.

Message 16 of 21
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Senior Contributor

Re: Is Capital One Inquiry Sensitive?

Congrats on yoru approval and massive SL !!!!!

 

 

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 17 of 21
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Valued Contributor

Re: Is Capital One Inquiry Sensitive?

Congrats on the approval. I think Cap1 has become a bit temperamental, some have gotten declined with 800+ scores and others with lower have been approved. Must be something with their algorithm.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 18 of 21
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Established Contributor

Re: Is Capital One Inquiry Sensitive?

Congratulations on your approval! Nice!
December 2020: Experian 687 Equifax 694 Transunion 701


Cards I Have:
Cap One QS: $600
Cap One QS1: $2,600
Discover It: $2,900
Cap One Walmart: $600
AMEX BCE: $1,000
Amazon Prime Store Card: $2,000
Overstock Store Card: $3,050

Wishlist Cards:
Citi Double Cash
Paypal Mastercard
Discover Cash Back
Cap One Savor


Gardening until Spring 2021



Total Utilization: 26%==>23%

Message 19 of 21
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Community Leader
Mega Contributor

Re: Is Capital One Inquiry Sensitive?


@CreditCuriosity wrote:

If you have opened up more than say 6 cards in the last 2 years I would avoid them although no one knowz Cap1 and their "rules" they have certainly became anti churners and the Venture and now the "new" savor card has been slaughtering people with 800+ credit scores, but people with mid 600's+ are getting approved assuming they haven't applied for alot of credit in the last few years.. If you have applied for alot of credit being say 5-6 cards in last two years I would avoid them, if less then you are probably golden.  Just my 2 cents to offer


The rule ive seen is 9/24, but they got skittish with me at 5. Though that may be because I have 4 cards from them.







Message 20 of 21
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