cancel
Showing results for 
Search instead for 
Did you mean: 

Savor One Approval w/ disappointing SL + DPs

tag
jayjayhawaii
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


Current FICO8:


2017: $200 secured card | 2023: $200,000+ total credit line
13 REPLIES 13
AllZero
Mega Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congratulations on your approval!
Message 2 of 14
Anonymous
Not applicable

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
M_Smart007
Legendary Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congrats!

Message 4 of 14
mikesonthemend
Valued Contributor

Re: Savor One Approval w/ disappointing SL + DPs

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




Living through Darwinism is so much worse than learning about about it in school.
Message 5 of 14
alexgold9393
New Contributor

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


Open Accounts:


Message 6 of 14
Anonymous
Not applicable

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 😊

Message 7 of 14
Anonymous
Not applicable

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
Anonymous
Not applicable

Re: Savor One Approval w/ disappointing SL + DPs

Congratulations on your approval!!

After 6 months hit them up for CLI
Message 9 of 14
MartyWrite75
Valued Contributor

Re: Savor One Approval w/ disappointing SL + DPs

Congratulations on your approval!

 

 

March 2024: Experian 762; Equifax 767; Transunion 769


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 04/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

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