Decided to try my luck with replacing my somewhat low bucketed S1 with a new Savor after playing around with the preapproval tool and showing all Cap 1 cards. Got surprised with a really nice $20k SL 26.24%!! That's a nearly 74% increase in my TCL. Sub is $300 for $3k in 3 months. I can hit that without any significant changes to my spend and I currently spend enough to more than break even between Savor vs SavorOne. I won't complain about Savor being a metal card either (not that it really matters). DPs: 3 of 5 existing cards are C1 (VX $11.5k , S1 $4.5k, QS $2.3k) 0/6, 1/12, 2/24 for inquiries and new accounts on all 3 Scores 689-691 for FICO 8.
Post

Fire Savor Approval!! (with 3 existing Cap 1 cards)

1 of 7
5 months ago
Fri Apr 12, 2024 9:02 pm
A default user avatar.
EvenBetterThanTheRealThing
Seasoned Rebel
Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 23 minutes Next Level in4 days, 3 hours, and 37 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 37 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 37 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 37 minutes
Decided to try my luck with replacing my somewhat low bucketed S1 with a new Savor after playing around with the preapproval tool and showing all Cap 1 cards. Got surprised with a really nice $20k SL 26.24%!! That's a nearly 74% increase in my TCL. Sub is $300 for $3k in 3 months. I can hit that without any significant changes to my spend and I currently spend enough to more than break even between Savor vs SavorOne. I won't complain about Savor being a metal card either (not that it really matters). DPs:

3 of 5 existing cards are C1 (VX $11.5k , S1 $4.5k, QS $2.3k)
0/6, 1/12, 2/24 for inquiries and new accounts on all 3
Scores 689-691 for FICO 8.
EvenBetterThanTheRealThing
A default user avatar.
Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
5
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Re: Savor Approval!! (with 3 existing Cap 1 cards)

2 of 7
5 months ago
Sat Apr 13, 2024 3:46 pm
User avatar
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 23 minutes Next Level in6 days, 3 hours, and 37 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 23 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 23 minutes ago
EvenBetterThanTheRealThing wrote: ↑Fri Apr 12, 2024 9:02 pm Got surprised with a really nice $20k SL 26.24%!! ... 3 of 5 existing cards are C1 (VX $11.5k , S1 $4.5k, QS $2.3k) 0/6, 1/12, 2/24 for inquiries and new accounts on all 3 Scores 689-691 for FICO 8.
That is INCREDIBLE! Congratulations! So happy for you! :) And the data points...wow. Such a good report for others in a similar situation.
Cassie
User avatar
Developer
  • Score data EQ8:790 TU8:790 EX8:795
1
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Re: Savor Approval!! (with 3 existing Cap 1 cards)

3 of 7
5 months ago
Sat Apr 13, 2024 7:00 pm
A default user avatar.
EvenBetterThanTheRealThing
Seasoned Rebel
Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 23 minutes Next Level in4 days, 3 hours, and 37 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 37 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 37 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 37 minutes
Cassie wrote: ↑Sat Apr 13, 2024 3:46 pm
EvenBetterThanTheRealThing wrote: ↑Fri Apr 12, 2024 9:02 pm Got surprised with a really nice $20k SL 26.24%!! ... 3 of 5 existing cards are C1 (VX $11.5k , S1 $4.5k, QS $2.3k) 0/6, 1/12, 2/24 for inquiries and new accounts on all 3 Scores 689-691 for FICO 8.
That is INCREDIBLE! Congratulations! So happy for you! :) And the data points...wow. Such a good report for others in a similar situation.
Forgot to mention the approval doc rerenced a 685 score which is my EQ5 (and lowest of mortgage, 8,9, or 10 family scores.). Now i need to decide how much of my old S1 limit I should move to my VX since I'll no longer be using the S1. They're letting me do up $3894, but I'm thinking $3500 as that would leave an even $1000 on the S1 and bring the VX to $15k.
EvenBetterThanTheRealThing
A default user avatar.
Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
2
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Post

Re: Savor Approval!! (with 3 existing Cap 1 cards)

4 of 7
5 months ago
Sun Apr 14, 2024 1:37 am
A default user avatar.
Beefy
Seasoned Rebel
Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 23 minutes Next Level in20 days, 3 hours, and 37 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 37 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 37 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 37 minutes
20k sl is nothing to sneeze at, though that sub is pretty meh for a triple hp.

Not difficult to get three 200-300 for 500/1000 spend for those pulls and the 95 dollar af is a bit of a hole to climb out of for 1% more dinning that is a 9,500 dollar spend just to break vs the for “good credit” 3% dinning
Beefy
A default user avatar.
Seasoned Rebel
  • Score data EQ8-791; TU8-780 EX8-766
    EQ9-816; TU9-776; EX9-776
    EQ5-729; TI4- 740; EX2-723
1
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Post

Re: Savor Approval!! (with 3 existing Cap 1 cards)

5 of 7
5 months ago
Sun Apr 14, 2024 3:28 am
A default user avatar.
EvenBetterThanTheRealThing
Seasoned Rebel
Level4 Last INQFriday, April 12, 2024 Gardening For4 months, 26 days, 20 hours, and 23 minutes Next Level in4 days, 3 hours, and 37 minutes on September 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in7 months, 4 days, 3 hours, and 37 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 7 months, 4 days, 3 hours, and 37 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In7 months, 4 days, 3 hours, and 37 minutes
Beefy wrote: ↑Sun Apr 14, 2024 1:37 am 20k sl is nothing to sneeze at, though that sub is pretty meh for a triple hp. Not difficult to get three 200-300 for 500/1000 spend for those pulls and the 95 dollar af is a bit of a hole to climb out of for 1% more dinning that is a 9,500 dollar spend just to break vs the for “good credit” 3% dinning
I know it's a meh sub relative to the spend, but for my particular situation and use case the end result is still solid. I've been running a majority of my spend through VX +S1 already and I spend enough on dining/entertainment to come out ahead vs the S1 (maybe I should cook more lol).
EvenBetterThanTheRealThing
A default user avatar.
Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
2
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Post

Re: Savor Approval!! (with 3 existing Cap 1 cards)

6 of 7
5 months ago
Mon Apr 15, 2024 12:04 am
A default user avatar.
Beefy
Seasoned Rebel
Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 23 minutes Next Level in20 days, 3 hours, and 37 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 37 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 37 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 37 minutes
EvenBetterThanTheRealThing wrote: ↑Sun Apr 14, 2024 3:28 am
Beefy wrote: ↑Sun Apr 14, 2024 1:37 am 20k sl is nothing to sneeze at, though that sub is pretty meh for a triple hp. Not difficult to get three 200-300 for 500/1000 spend for those pulls and the 95 dollar af is a bit of a hole to climb out of for 1% more dinning that is a 9,500 dollar spend just to break vs the for “good credit” 3% dinning
I know it's a meh sub relative to the spend, but for my particular situation and use case the end result is still solid. I've been running a majority of my spend through VX +S1 already and I spend enough on dining/entertainment to come out ahead vs the S1 (maybe I should cook more lol).
Or get a better dinning card :p
Beefy
A default user avatar.
Seasoned Rebel
  • Score data EQ8-791; TU8-780 EX8-766
    EQ9-816; TU9-776; EX9-776
    EQ5-729; TI4- 740; EX2-723
0
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Post

Re: Savor Approval!! (with 3 existing Cap 1 cards)

7 of 7
5 months ago
Mon Apr 15, 2024 1:09 am
User avatar
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 23 minutes Next Level in6 days, 3 hours, and 37 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 23 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 23 minutes ago
EvenBetterThanTheRealThing wrote: ↑Sun Apr 14, 2024 3:28 am I've been running a majority of my spend through VX +S1 already and I spend enough on dining/entertainment to come out ahead vs the S1 (maybe I should cook more lol).
I've been working from home for so long that I forgot just how much coffee/lunch/dinner-on-the-way-home can really add up over a typical week.
Cassie
User avatar
Developer
  • Score data EQ8:790 TU8:790 EX8:795
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