oops i didnt mean to do it Savor1

padme · ‎12-30-2018

Ooch, i didnt mean to do it. just wanted to 0% for 15 months. lost of inquires, 2 new cards this month. Amazing 1k limit. yeah 1k. shouldve went for the main savor, but didnt want the fee, just the 2% grocery card. already have 48k here too. not sure if im maxed out, but havent got a CLI in years, even then, it was only 500 on the QS1 card.

Cred4All · ‎12-30-2018

@padme wrote:
Ooch, i didnt mean to do it.

Many of us share those last words... Congrats on the approval!

Anonymous · ‎12-30-2018

Well, you can always combine the account with another. I did that for years with Capital One to get useable limits. It's ridiculous that they operate that way, but they do. They want three HPs for each new account, and they put an account combination link right inside of your account management. They do this on purpose IMO. Instead of limiting people with a 5/24 rule, they hand out very low limits, and a combination button. If you want a $50K limit with Capital One you can get there, $1K and 3 HPs at a time. LOL

edit: typos

padme · ‎12-30-2018

some were saying, it was hard to get the prime savor under 750's, which i dont have. was gonna transfer the last venture to the venture one, but ill close it and send 25k to the savor1. just got a 2nd Discover and a 2nd Navy this month too. So im very happy. low 700s.

19eighty5 · ‎12-30-2018

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

kdm31091 · ‎12-30-2018

@Anonymous wrote:
Well, you can always combine the account with another. I did that for years with Capital One to get useable limits. It's ridiculous that they operate that way, but they do. They want three HPs for each new account, and they put an account combination link right inside of your account management. They do this on purpose IMO. Instead of limiting people with a 5/24 rule, they hand out very low limits, and a combination button. If you want a $50K limit with Capital One you can get there, $1K and 3 HPs at a time. LOL

edit: typos

Capital One does have some type of 5/24 type of rule, although nobody really knows specifics. They rarely approve people with a lot of recent card openings, at least as of this year or so. They used to be much less strict.

Anonymous · ‎12-30-2018

You are right about that. They certainly do have some kind of 5/24 rule going on right now. I'm surprised there's no data on it.