@Anonymous wrote:
WOW. Congrats. You are being a bad influence on me. I would love a Savor card but only prequalifying for QS1 and Platinum card. i think my scores are good enough but not sure why I cant get preapproved. Scared of wasting 3 HPs.
Fico Eq 742 TR 760 Ex 725
With those FICOs, as long as you haven't been on a credit seeking spree, you should be golden.
I think my long relationship with Capital One is what ultimately clinched the approval for me. If I didn't have that history with them, I think I would have been denied because of how many new accounts I have or given the lowest approval they offer on this card of $1K. There have been people with 800s denied for Savor and Venture with just 4 new accounts in 24 months so you have to weigh the risk for yourself.
For me, I am not really afraid of HPs at all. They are temporary and a momentary blip in credit history. Taking one on each bureau was a bit harder to stomach the concept of and is the only reason I hadn't applied before but at the end of the day if you want the card and will find value in the card, its totally worth it.
