cancel
Showing results for 
Search instead for 
Did you mean: 

Savor One Approval w/ disappointing SL + DPs

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Regular Contributor

Savor One Approval w/ disappointing SL + DPs

Approved for Savor One!!

 

I've had my Capital One Quiksilver card for 2.5 years now. Started off as a secured platinum in 2017, and I have grown it and PC'd it into an unsecured Quicksilver with a $1,100 SL.

 

Recently, I have been receiving pre-approval emails and snail mail for the Savor One. I don't really need it, since I get 4x points on food+dining with the Amex Gold. However, my Quiksilver card will never grow much, since it used to be a secured card and is bucketed in that low tier, so I won't say no to a 'real' Cap One with no AF.

 

I should have waited a bit, because my utilization is high right now at 35%, having just changed jobs and moved. I was approved nonetheless with a $1,000 SL. It's my lowest limit card, but I've been wanting a Cap One grower.

 

EX: 683, 5 INQs, one baddie (2.5 years ago)

EQ: 663, 2 INQs, one baddie (2.5 years ago)

TU: 696, 2 INQs, no baddies



Credit Cards

Misc Revolvers

Installment:

Current FICO8:


In college, I took my FICO score, put it in a dumpster, and set it on fire.
2016 - Began rebuild with a $200 secured card.
2020 - TCL: $56,500
13 REPLIES 13
Highlighted
Super Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congratulations on your approval!
Message 2 of 14
Highlighted
Senior Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congrats on your new Cap One SavorOne. This one should grow with usage.





Message 3 of 14
Highlighted
Super Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congrats!

Message 4 of 14
Highlighted
Valued Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congrats! You got out of the bucket! That is where I want to be.




RIP: BTFD 20/02/2020
Gardening is hard. I failed to meet last 2 SUBs.
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 5 of 14
Highlighted
Valued Member

Re: Savor One Approval w/ disappointing SL + DPs


@jayjayhawaii wrote:

PC'd it into an unsecured Quicksilver with a $1,100 SL.

 


Can you share some insight on this, ive had 2 secured cards from cap1 for 3 years now and would love to PC to unsecured

 

TIA








Future Cards:

Closed Cards:
Message 6 of 14
Highlighted
Moderator

Re: Savor One Approval w/ disappointing SL + DPs

Congrats....I know you're disappointed in the starting cL, but it coulda been worse: a denial. Hope it grows for you 😊

Got some pruning to do... No more new cards!
Message 7 of 14
Highlighted
Valued Contributor

Re: Savor One Approval w/ disappointing SL + DPs


@alexgold9393 wrote:

@jayjayhawaii wrote:

PC'd it into an unsecured Quicksilver with a $1,100 SL.

 


Can you share some insight on this, ive had 2 secured cards from cap1 for 3 years now and would love to PC to unsecured

 

TIA


You can no longer PC or upgrade from a secured card to unsecured. That changed sometime in late 2018 or early 2019 iirc. All you can do now is close the secured cards to get your money back and app for new cards. There is big thread about it in the credit cards section.

Message 8 of 14
Highlighted
Valued Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congratulations on your approval!!

After 6 months hit them up for CLI
March 2020
Experian Fico 8. 686
Transunion Fico 8. 697
Equifax Fico 8. 714

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

Message 9 of 14
Highlighted
Established Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congratulations on your approval!

 

 

Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.