Got savor credit card application denied - capital... - myFICO® Forums

Anonymous · ‎12-28-2018

My online credit card application for savor credit card got denied.

Cap1 said they will send a letter with details regarding the denial.

I know it s a hard pull , any thoughts how much points will get reduced ? will the enquiries affect my future credit card applications to other banks ?

At the time of applying i had near 742 @equifax.

Share your thoughts.

CreditInspired · ‎12-28-2018

Welcome OP

Not enough info provided. Getting approved by lenders entail many variables.

What are your 3 FICO scores?

How many inqs do you have?

What’s your AAOA and AOYA?

This is a starting place for members to offer suggestions.

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Anonymous · ‎12-28-2018

@CreditInspired wrote:
Welcome OP

Not enough info provided. Getting approved by lenders entail many variables.

What are your 3 FICO scores?
How many inqs do you have?
What’s your AAOA and AOYA?

This is a starting place for members to offer suggestions.

Thanks for your reply

What are your 3 FICO scores? 744 transunion , 742 equifax - not sure about experian.

How many inqs do you have? total 5 inquiries last year (hard pull due to auto loan)

What’s your AAOA and AOYA? Well my credit history age is 1 year .

dynamicvb · ‎12-28-2018

With the two listed it seems you may be getting your scores from credit karma or wallet hub, if so they are vantage’s scores and you shouldn’t put much faith in those. You can get a cheap trial at credit check total the will give you all three scores. This will give a baseline to start working with

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:

First Goal Score: 750+ Reached 3/2019

Next Goal all over 800

SouthJamaica · ‎12-28-2018

@Anonymous wrote:
My online credit card application for savor credit card got denied.
Cap1 said they will send a letter with details regarding the denial.

I know it s a hard pull , any thoughts how much points will get reduced ? will the enquiries affect my future credit card applications to other banks ?

@Anonymous the time of applying i had near 742 @Equifax.

Share your thoughts.

It won't necessarily affect your scores at all. It's possible you could lose around 5 points for the inquiry, temporarily.