Is Capital One Inquiry Sensitive? Update: Approved

[Shooting-For-800]

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.

[Anonymous]

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”.

[CreditCuriosity]

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

[Anonymous]

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.

[Anonymous]

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!

[FireMedic1]

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.

[Anonymous]

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

[xaximus]

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.

[MartyWrite75]

Congratulations on your approval! Nice!

[Brian_Earl_Spilner]

---

@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.