Is Savor one subprime?

[Anonymous]

Thanks for the replies, everyone.

I believe the answer is unanimous. For me though, I have no use for this particular card, nor am I willing to give up 3 hp's and have scores take a hit.

I will remain in the garden until sometime next year when I come out to buy another home.

For now, I have more than enough cards and will continue gardening, lurking, and learning. ;-)

[Shooting-For-800]

FTR - Cap One has been very very good to me.

I pay $59 for Venture (grandfathered) and $0 for Savor (upgraded and grandfathered).

I went from a single $3k plat card to a $30k Siggy, $28k WEMC, and a 25k Siggy.

I get 2% and 3% fee 0% offers and earn 1.5-4.0% back in rewards.

I also got about $800 in subs and my Venture card is at 14% apr.

Cap One gets a much worse rap than they deserve IMO especially considering how many second and third chances they give people (including me.)

[CreditInspired]

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@Shooting-For-800 wrote:

FTR - Cap One has been very very good to me.

I pay $59 for Venture (grandfathered) and $0 for Savor (upgraded and grandfathered).

I went from a single $3k plat card to a $30k Siggy, $28k WEMC, and a 25k Siggy.

I get 2% and 3% fee 0% offers and earn 1.5-4.0% back in rewards.

I also got about $800 in subs and my Venture card is at 14% apr.

Cap One gets a much worse rap than they deserve IMO especially considering how many second and third chances they give people (including me.)

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I love to read success stories from those who rose from the ashes of a credit debacle to praise the CC that may have been the only one to give them a second chance. 

Thanks for sharing. 

[mrfufoppss]

sounds like you got the Savor one for(Average credit) yes its the sub prime version but from other data points i have read people getting a 10,000 sl..if you got no Sub offer and apr 26.99 promo with the card then yes its the new sub prime version with credit steps
and it will be the World Elite Mastercard

[Anonymous]

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@Shooting-For-800 wrote:

FTR - Cap One has been very very good to me.

I pay $59 for Venture (grandfathered) and $0 for Savor (upgraded and grandfathered).

I went from a single $3k plat card to a $30k Siggy, $28k WEMC, and a 25k Siggy.

I get 2% and 3% fee 0% offers and earn 1.5-4.0% back in rewards.

I also got about $800 in subs and my Venture card is at 14% apr.

Cap One gets a much worse rap than they deserve IMO especially considering how many second and third chances they give people (including me.)

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I second that. Cap one has been very good to me as well. Savor card w/no AF, 8.65% APR, $27,500 CL,  called in a dispute once for a $50 charge, immediately made it a permanent credit (didn't even bother to contact the merchant, and skipped the conditional credit step). 

And once, I paid with my cap one card for a move. When I got the final bill, it was for $287 too much. I called and left a message with the movers and followed up with an email. After a few days, left another voicemail.  Nothing. Called customer service. They put a conditional credit on my account, a week later called me back and said they left voicemails and emails with the mover,  and no response. Made it a permanent credit. 

One month later I got a check in the mail for $287 from the movers. Called cap 1 and told them I got reimbursed,  go ahead and put the $287 charge back on my card. Thanked me for calling about it and said they'd take care of it. Waited 2 weeks, no charge on my card. Called them back. They said I see that it was not put on my account. They'll make sure it goes on my card. Two weeks later, still not there. I quit there. I let them know I owe them $287 twice. It's up to them to take it from there. 

Not sure if they technically can't put it back on my account if it was a settled insurance payment, or they had no intention of taking the money back. Point is, they resolved it extremely quickly, at the expense of putting in a solid and patient attempt of getting the money back.  Great customer service. 

They treat customers well, at least ones they value. Good to have in your wallet, even if they seem slightly "subprimey".