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Crap 1 Savor Denied


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Was looking for a no FTF fee card with a decent dining category, and a Sub for my upcoming vacation. I received an immediate 7-10 day FOAD. I figured this card would be an easy get, guess I thought wrong. Its like they smelled the 3k in usage and 12 month break up coming. 

 

Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your application and information obtained from your consumer credit report(s) from the agencies detailed  on the back of this letter - we cannot approve your request at this time. 

 

The reason(s) for our decision are: 
• Based on your credit report from Trans Union, number of bank cards tradelines opened in the last 24 months

 

Ex score provided on letter 798.  

Utilization 1%

Currently 7/24 - 2 new cards last 7 months.

Citi AA Plat 

Chase Hyatt

 

1 Crap 1 card - QS 28k used for Netflix & Hulu monthly 3.5 years old.

 

 

 

 

 

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My plan was to spend as close to $3000.00 as possible and at AF time PC to the Savor 1 or cancel. My dining spend nets me much better return on my CSR. Anyways I decided I still wanted a new card for my upcoming trip so I thru an App in for the BOA premium card. Got approved for a 12k CL and I will probably keep this card as the $100.00 airline incidental credit wipes out the AF +5 bucks. 

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