Capital one Savor approval odds

[Anonymous]

Hello! as the title says I wonder whether I have any chance of getting approved for the capital one savor. My stats are as following: I have 4 credit cards. This is gonna be my first capital one card. My oldest credit card is 2 years old. I recently (2 months ago) applied to 2 new credit cards and it lowered my credit scores. My Experian fico is 750, Transunion Fico 739. I don't know my Equifax fico but the vantagescore 3.0 is 722. 

According to the capital one website you need excellent credit score for this card which means at least 3 years of credit history but I'm not sure if I wait for another year the 500$ cash back bonus will be around. I'd appreciate any advice whether it is a good idea to apply for it or not. Since Capital one does triple hard pull I'm afraid of just going for it. Thanks.

[Pikaboo-icu]

Welcome to My Fico..

Did you try Cap One's prequal tool yet? 

[Anonymous]

Thank you. Last year I was so frustrated by all these credit card offers spamming my mailbox so I opted out of it, therefore none of these prequal stuff works for me.

[Pikaboo-icu]

---

@Anonymous wrote:

Thank you. Last year I was so frustrated by all these credit card offers spamming my mailbox so I opted out of it, therefore none of these prequal stuff works for me.

---

Well pickles..  

There's a way to opt back in but IDK what it is..

Hopefully somebody does.. 

What is your card uti? 

Your scores seem fine for Savor. 

[Remedios]

---

@Anonymous wrote:

Hello! as the title says I wonder whether I have any chance of getting approved for the capital one savor. My stats are as following: I have 4 credit cards. This is gonna be my first capital one card. My oldest credit card is 2 years old. I recently (2 months ago) applied to 2 new credit cards and it lowered my credit scores. My Experian fico is 750, Transunion Fico 739. I don't know my Equifax fico but the vantagescore 3.0 is 722. 

According to the capital one website you need excellent credit score for this card which means at least 3 years of credit history but I'm not sure if I wait for another year the 500$ cash back bonus will be around. I'd appreciate any advice whether it is a good idea to apply for it or not. Since Capital one does triple hard pull I'm afraid of just going for it. Thanks.

---

You have two accounts under three months, I'd wait till they are at least six months old.

Cap1 has been somewhat picky with this card. 

[Anonymous]

My card utilization is usually 0% but sometimes 1%. I think that's a negative point for Capital One. I've heard they prefer people with higher utilization.

[FinStar]

---

@Pikaboo-icu wrote:

---

@Anonymous wrote:

Thank you. Last year I was so frustrated by all these credit card offers spamming my mailbox so I opted out of it, therefore none of these prequal stuff works for me.

---

Well pickles..  

There's a way to opt back in but IDK what it is..

Hopefully somebody does.. 

What is your card uti? 

Your scores seem fine for Savor. 

---

---

---

Hi OP,

Great advice by @Remedios and @Pikaboo-icu.

Although the pre-qualification tool is not a pre-requisite, it can definitely gauge your odds a little better when it comes to certain lenders.  Of course you can always apply directly whenever you're ready to pull the trigger.

If you wish to opt back-in, just use the link below for reference:

https://www.optoutprescreen.com/opt_form.cgi

[morgacj2004]

Cap One has been very picky regarding this card. Lots of cases of people with 800 plus scores getting denied. They are looking for thin profiles and looking for people who will keep and use the card as their primary.  Churners need not apply lol. I was denied despite long history with them and at the time having a savings account. I got the BC Uber instead. 

[Anonymous]

Thank you. Yes that was the website I opted out but now I cannot opt in. The website claims that first three digits of SSN cannot be greater than 772 but mine is, LOL.

[kugel]

Yes they became Tough with cli also can’t get them to increase my cards lately