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Sometimes that intuition... Savor One

Saeren
Mega Contributor

Re: Sometimes that intuition... Savor One


@GApeachy wrote:

@Saeren wrote:

I was honest when they asked me what my monthly credit card spend was and said $700. I was not expecting them to hit me with the limit they did but I totally appreciate it! Smiley Very Happy

So exciting.....hope you get a sweet score boost too!


That's wishful thinking. My utilization is so low that I won't realize a score boost and I already took a 4 point hit on EX when the inq alert came through.

 

But I'm pretty much 100% planted in the garden now. I was thinking about trying US Bank one more time but since my new Sync account is already reporting, that puts me at 2 in 6. Not sure I want to deal with another US Bank denial. I'll make that decision by this evening before my EX lift expires lol.





Message 11 of 64
GApeachy
Super Contributor

Re: Sometimes that intuition... Savor One


@Saeren wrote:

I'll make that decision by this evening before my EX lift expires lol.

That seems a smidge scary.........

"My Take Home Pay Don't Take Me Home"
Message 12 of 64
AverageJoesCredit
Community Leader
Mega Contributor

Re: Sometimes that intuition... Savor One

Congrats @Saeren Smiley Happy. Looks like Cap 1 likes your profileSmiley Happy Enjoy or should i say Ssvor itSmiley Wink
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 13 of 64
Saeren
Mega Contributor

Re: Sometimes that intuition... Savor One


@GApeachy wrote:

@Saeren wrote:

I'll make that decision by this evening before my EX lift expires lol.

That seems a smidge scary.........


I said screw it and submitted the app... its my last goal card. If they say no, I'll try again next year. But I already went and spoiled my chances at hitting 0/6 by going for the Payboo and once the rest of these cards are reporting I'm screwed for 6 months anyway.





Message 14 of 64
Saeren
Mega Contributor

Re: Sometimes that intuition... Savor One


@AverageJoesCredit wrote:
Congrats @Saeren Smiley Happy. Looks like Cap 1 likes your profileSmiley Happy Enjoy or should i say Ssvor itSmiley Wink

Thanks AJC! I guess they do! Smiley Very Happy





Message 15 of 64
sarge12
Valued Contributor

Re: Sometimes that intuition... Savor One

I have not done a Cap 1 app in at least 7 years....well have to get 1 year in garden before I do anything.

TU fico08=842 04/29/21
EX fico08=830 05/08/21
EQ fico09=827 05/01/21
EX fico09=824 05/05/21
EQ fico bankcard08=856 04/27/21
TU Fico Bankcard 08=881 04/23/21
EQ NG1 fico=802 01/21/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 16 of 64
Shooting-For-800
Senior Contributor

Re: Sometimes that intuition... Savor One

Congrats!

 

I have preaching about CapOne for 4 years on here and people think I am crazy.

 

 

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

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, Synchrony, Evergreen, & Venture






Message 17 of 64
Marz2002
Valued Contributor

Re: Sometimes that intuition... Savor One

You...REALLY...

awesome congratulations GIF by Slanted Studios

CONGRATS again  my friend on your Savor One approval and the AWESOME SL/APR combo!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 18 of 64
Saeren
Mega Contributor

Re: Sometimes that intuition... Savor One


@sarge12 wrote:

I have not done a Cap 1 app in at least 7 years....well have to get 1 year in garden before I do anything.


Cap just doesn't want you to churn and burn. If you have had a card with them for a long time, they know what to expect from you.

 

I was planning on staying in the garden until later this year but when B&H came out with that $350 PS4 Pro bundle, I needed to float the purchase into next month so the Payboo kind of threw a wrench in that but so far I'm 3 for 3, with Cash+ pending (about 50/50 on my chances for this one because Payboo is already reporting albeit with a $0 balance but I'm already out of the garden so why not), BBVA CLI pending, NFCU CLI pending so I guess I should be thanking B&H right now because I wouldn't have spree'd like this otherwise.





Message 19 of 64
Saeren
Mega Contributor

Re: Sometimes that intuition... Savor One


@Shooting-For-800 wrote:

Congrats!

 

I have preaching about CapOne for 4 years on here and people think I am crazy.

 

 


Thanks!

 

I have been preaching with you since I joined in September. I love Capital One. I don't love their triple pulls but something tells me if they just pulled my 681 EQ, I wouldn't be getting a $10K card in the mail either.

 

I don't forget that Capital One is the one who took a chance on me back in 2014 and this approval just cements my feelings about Capital One and loyalty being rewarded even further.





Message 20 of 64
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