Man I was reliving my exact experience with Capital One through this video. Agree with all your takeaways, also those analogies cracked me up. Awesome video Chase!
Capital One has a strict rule where you can only get 1 Capital One card every six months. Definitely wait at least six months after getting approved for a Capital One card before applying for another. 18 cards might be pushing it too with Capital One. Have a low amount of inquiries and hard pulls before applying for a Capital One card. Answer "Sometimes" for the question on if you carry a balance whether you carry a balance or not.
To be honest chase, you probably should have waited to apply until your inquiries fell off your credit report. Every single inquiry stays there for two years unless you call experian, equifax to dispute. Just like they said, opening too many new credit accounts in a year is basically another type of inquiry. Banks love to lend when they dont think you need it.
I do believe the 6 months waiting period between Capital One cards is pretty much a hard fast rule. I would have waited 6 months and then tried the pre-approval tool then to see if you would have been approved for the Savor One with the SUB. You were pre-approved for the Savor One with Good Credit though so I think you have a good chance of getting approved for the SUB Savor One if you wait it out for just a little bit longer.
A lot of us have/ had the same problem. I picked up the Savor One recently without the SUB because I needed an international travel set up due to Amex’s non-acceptance outside of the US. Waited a year and a half testing to see if I could get the SUB and was never pre approved so I just pulled the trigger without the SUB.
On the approval tool, I am only approved for secured cards. My oldest card is a Venture One and my highest limit card is with my Venture X. I think having a strong profile and cards already hurts me.
So you essentially wanted the sign on bonus points right? Also how do you have 18 credit cards? Someone I know who works at a bank said the max you can have before getting denied is 5.
At least you got the VX, I got denied, and from the information from the pre-approval tool and other data I will never get approved for the VX,thus, I'm focusing my spend on Chase and AMEX with a little Bilt.
Howzit Chase. Thank you for sharing your C1 application experience. Sorry it wasn’t the result you hoped. Agree with patience and time approvals with be forthcoming. Hang loose. Laters cuz. 🤙
I’ve also heard others say to never select that you’re self-employed. Try it again but select “employed” instead. Also, I’m glad I started off my credit card game with capital one first instead of chase. They really seem to prefer newer customers. Got approved for the S1 right away, and got pre-approved for the VX about 4 months later. I only have the S1 and CSP (I got it second cause of the recent elevated bonus). I’m waiting to officially apply for the VX in a few weeks when I’m expecting a large payment. Or sooner if they elevate the SUB.
I recommendation is put most of your spend on your Venture X for the next 3-6 months then try the pre approval again. Capital One already see you as a excellent tier credit level customer since you already have the Venture X.
I was pre approved for the venture X a few months ago. When I tried again last week, it didn’t pop up as one I was pre approved cards. I applied anyway and got approved!
Hello from Oregon, I know this is night and day. But I got a credit line decrease from Care Credit, Synchrony bank. $800, for two years now, on time w/ a low balance. Paid in full and went from $800 now to $250? This card was for my dog. So frustrating. No reason either, not even an email. Thank you for the video.
For me getting amex is harder then getting a Captial card lol, opened a checking with them and could also be why they approved me for the student version Savor One. Spend 100 to get 50 in return which isn't bad considering my first sign up bonus.
This sounds great if you want to downgrade a Venture or Venture X card to a Savor One card. I have both the Venture and Venture X cards and will be downgrading my Venture Card to the Savor One when my time to renew my AF comes around.
Im trying the strategy for getting a credit limit increase from the measly 300 dollar credit limit they started me with. If not I will close the card. It was a waste for 3 inquiries.
I already have a Venture X. I just applied for the Venture because of the welcome offer, and I will downgrade that card after a year, which will help me never have another hard pull from Capital One.
I've had the CapitalOne years ago and used it for a number of years before canceling it. I want to apply again but am afraid of getting denied. I dont want to go through childbirth again (as in your video). Haha.
I got approved for the Amex Gold and C1 Savor One for good credit at the same time. I'm okay with that because I'm test driving the Amex Gold for a year or two. And based on my application route, I'd be locking myself out of C1 if I waited much longer. No pressure to hit a spending bonus on the C1 while I work on that Amex welcome offer for the next 6 months. Also I wanted the Savor One badly because I live literally right next to a C1 Cafe so now my coffee spending is cut in half for $0 annual fee.
Got denied even though I only applied for one card in the last 48 months, the other Capital One Venture X. I got approved for that one. I also didn't answer the Do you carry a balance question (optional). Should have just checked YES. Also they asked about citizenship in other countries? Weird.
@@ChaseYokoyama capital 1 just likes to play hard to get. The only reason I am in their ecosystem is because of my wife 👍🏼 I am in the same boat when I try to apply
This is pretty close to my experience with Capital One. Very Frustrating. I've (finally) got the Venture X and Savor One. I'm done with applying for more cards with them
@@PurpleDrazi I just got the Venture X not long ago. I will apply the Savor One, but I heard a rumor that CL One wants us to wait 6 months before applying for another card. Thx for the reply btw.
I got denied for the venture recently due to I think too many cards and too many inquiries. It sucks though because I still want to apply for more cards and I don’t plan on cancelling any cards so… I’m stuck lol Feels like I have to wait until I’m ready to dip into chase again before I hit C1
@@ChaseYokoyama I got it finally. I ended up getting 5 cards in a week. I went crazy. I thought I was not approved initially but it was just a delay I guess. Between my wife and I and my business we got the Venture x personal and business, Bilt, Saphire prefered and an Ink card
@ChaseYokoyama Yeap, 3 cards over 20 year history other two 12 years so can not afford to cancel and C1 will not let me upgrade or do product change....
I have both card i have first venture X and 3 month letter i call capital one see when i can apply for other credit card she told me wait 6 month and apply 6 month letter and approved for savor one 👍🏻👍🏻👍🏻👍🏻
@@iankm1 i called capital one and they said it wasn't offered. I never have issue with Amex product changing my cards. Who does capital one think they are? Chase or Amex? Never!
Hey Chase I saw in your video in the row of employment you selected self employed instead of employed, I think this was the reason that Capone denied your application.
i mean im just frustrated that they are so sensitive 🙃 They need to take a page out of Amex's book with the platinum and just let everyone and their mom have it 😂
Sorry Chase I had a Capital One Platimum in March and I cancelled it because Capital One wouldn't upgrade it to the Savor card without a preapproval letter and it wanted to do another 3 hard pulls to allow me to move up to a Savor card with Good credit. I droppoed Capital One as soon as I was approved for the Citi Double Up Card. Capital One wants 3 full years of credit history before they will even consider to a upgrade a Platinum card account. Chase I hate Capital One with a full passion. I could only watch like the part of your video. I stopped at the part of your video were you showed the Savor application. If this video would have been a short video on why Capital One hates you I could watch the whole thing. Move on with Credit Card journey like I did and just dump Capital One. I have the Chase Sappire Preffered card and it's tge only travel card I need. Capital One points aren't everything in life when there are better Cards like a TD Bank Cash card.
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You were pre-approved for the Savor One for Good Credit. The card you applied for was the regular Savor one card. It was not a "bait and switch".
Exactly. The regular Savor One card requires “Excellent Credit”, not “Good Credit” and it’s listed on their website
sounds like he didnt really look at Capital One's site before making the video. Kind of just... jumped to conclusions based on missing information.
I'll be honest. I totally forgot that Capital One has 12 different versions of each card all named the same thing. It did not cross my mind at all.
Reading is fundamental lmao.
Yep, the Good Credit version will get you the card but not any sign up bonuses.
Man I was reliving my exact experience with Capital One through this video. Agree with all your takeaways, also those analogies cracked me up. Awesome video Chase!
ya Capital One is being a major buzzkill rn ☠️
You just need to legally change your name to Capital One Yokoyama
Instant approval.
why didnt I ask. you sooner 🤦🏽♀️
@@ChaseYokoyama The naming gag is kinda funny, Anthony Venture too getting denied for a regular Venture lol
@@soapa4279But Anthony has been approved for Chase Ink cards, and he floated the idea of changing his name to Anthony Ink.
@@soapa4279I also think the name being Chase thing was the real reason… 😂
@@soapa4279 its poetic justice
Discover never accepted me either back in the day, even when my credit score was 750+ and no debt never understood that.
Who'd you end up getting instead?
@@ChaseYokoyama US go altitude card very underrated entry level no annual fee travel/dinning card
Capital One has a strict rule where you can only get 1 Capital One card every six months. Definitely wait at least six months after getting approved for a Capital One card before applying for another. 18 cards might be pushing it too with Capital One. Have a low amount of inquiries and hard pulls before applying for a Capital One card. Answer "Sometimes" for the question on if you carry a balance whether you carry a balance or not.
You got Capital One Pop-Up Jailed 😂
at least Amex has the decency to tell us we are in jail 😤
To be honest chase, you probably should have waited to apply until your inquiries fell off your credit report.
Every single inquiry stays there for two years unless you call experian, equifax to dispute.
Just like they said, opening too many new credit accounts in a year is basically another type of inquiry.
Banks love to lend when they dont think you need it.
yup and CapOne is notorious for being extra sensitive to those things
@@ChaseYokoyama agreed
I do believe the 6 months waiting period between Capital One cards is pretty much a hard fast rule. I would have waited 6 months and then tried the pre-approval tool then to see if you would have been approved for the Savor One with the SUB. You were pre-approved for the Savor One with Good Credit though so I think you have a good chance of getting approved for the SUB Savor One if you wait it out for just a little bit longer.
Good point! I'm gonna be trying again in 2-3 months and hope for the savor one with the SUB
I’ve heard that you should never put Self-employed on your status and always put Employed idk if that will help but I’ve heard it a couple of times
maybe next time I try ill consider that 🤷🏽♀️
Thanks for sharing your experience. It’s a terrible feeling to get denied. Hopefully you get approved the next time around
thank you sir! 🤙🏽 I hope so too 😢
Just curious if you actually got the 2nd inquiry when they supposedly went through their reconsideration process?
I only see 1 hard inquiry. thank goodness
A lot of us have/ had the same problem. I picked up the Savor One recently without the SUB because I needed an international travel set up due to Amex’s non-acceptance outside of the US. Waited a year and a half testing to see if I could get the SUB and was never pre approved so I just pulled the trigger without the SUB.
damn a whole year and a half?! 😱
On the approval tool, I am only approved for secured cards. My oldest card is a Venture One and my highest limit card is with my Venture X. I think having a strong profile and cards already hurts me.
ya Capital One is inquiry sensitive
I’m starting college in a few weeks. Got approved for the savor one for that reason. Very happy
congrats on the approval! im not jealous at all 😭
So you essentially wanted the sign on bonus points right?
Also how do you have 18 credit cards? Someone I know who works at a bank said the max you can have before getting denied is 5.
yes! and to clarify I have 18 cards total. not just from capital one
At least you got the VX, I got denied, and from the information from the pre-approval tool and other data I will never get approved for the VX,thus, I'm focusing my spend on Chase and AMEX with a little Bilt.
ya might as well spend your money with the people that will give you business 🤷🏽♂️
Howzit Chase. Thank you for sharing your C1 application experience. Sorry it wasn’t the result you hoped. Agree with patience and time approvals with be forthcoming. Hang loose. Laters cuz. 🤙
Appreciate it Garret! 🤙🏽
Started at 0:00 and stopped at 0:01 to laugh 🤣 . You're the best, my dude! Keep it up!
thanks for watching! 🙏🏽
I applied and got approved for the savor one excellent credit 2 days ago, cheers
Thanks for making me hate myself!
I’ve also heard others say to never select that you’re self-employed. Try it again but select “employed” instead.
Also, I’m glad I started off my credit card game with capital one first instead of chase. They really seem to prefer newer customers. Got approved for the S1 right away, and got pre-approved for the VX about 4 months later. I only have the S1 and CSP (I got it second cause of the recent elevated bonus). I’m waiting to officially apply for the VX in a few weeks when I’m expecting a large payment. Or sooner if they elevate the SUB.
good luck on the VX. but next time I apply I might change a few things around.
I recommendation is put most of your spend on your Venture X for the next 3-6 months then try the pre approval again. Capital One already see you as a excellent tier credit level customer since you already have the Venture X.
thank you! ill try again in October
Heck, just trying to get a credit line increase with them is an act of congress.
its like pulling teeth 🙃
I was pre approved for the venture X a few months ago. When I tried again last week, it didn’t pop up as one I was pre approved cards. I applied anyway and got approved!
whaaat? You got balls to send an application anyway 😂 congrats on the approval 🔥
Just out of curiosity did you have any of your credit bureaus frozen?
Cause I’m in the same boat but I have my Expedia frozen
noooo did not freeze anything.
Hello from Oregon, I know this is night and day. But I got a credit line decrease from Care Credit, Synchrony bank. $800, for two years now, on time w/ a low balance. Paid in full and went from $800 now to $250? This card was for my dog. So frustrating. No reason either, not even an email. Thank you for the video.
oh nooo im sorry to hear that! might be time to put that spend on another card with another bank
For me getting amex is harder then getting a Captial card lol, opened a checking with them and could also be why they approved me for the student version Savor One. Spend 100 to get 50 in return which isn't bad considering my first sign up bonus.
interesting. Amex opens their doors to you soon
This sounds great if you want to downgrade a Venture or Venture X card to a Savor One card. I have both the Venture and Venture X cards and will be downgrading my Venture Card to the Savor One when my time to renew my AF comes around.
Im trying the strategy for getting a credit limit increase from the measly 300 dollar credit limit they started me with. If not I will close the card. It was a waste for 3 inquiries.
$300 limit?! 🤯
You have to understand one thing, C1 doesn't like experienced cc users(aka churners).
oh ya ive heard too many stories about their reputation with that
Capital One totally Blows ! Screw them! They don’t deserve you Chase! They just wanted you to spend more $ on interest and offer you no sign up bonus!
hahahh i know you hate Cap one papi! 😂
@@ChaseYokoyama 🤣🤣🤣 They don’t deserve us! 🤣
I already have a Venture X. I just applied for the Venture because of the welcome offer, and I will downgrade that card after a year, which will help me never have another hard pull from Capital One.
Capital One IMO reports to all 3 bureaus, carrying a balance can truly sting.
ya defs dont do it.
I've had the CapitalOne years ago and used it for a number of years before canceling it. I want to apply again but am afraid of getting denied. I dont want to go through childbirth again (as in your video). Haha.
hahah well apparently only cool kids get denied by capital one so if you do, dont feel so bad 😂
And that is exactly why capital 1 could never be my primary card issuer.
Im the opposite. I have the savor 1 but cant get any of their venture cards 🤨
hahah ya I cant imagine having maybeee more than 2 cap 1 cards 🤡
I got approved for the Amex Gold and C1 Savor One for good credit at the same time. I'm okay with that because I'm test driving the Amex Gold for a year or two. And based on my application route, I'd be locking myself out of C1 if I waited much longer. No pressure to hit a spending bonus on the C1 while I work on that Amex welcome offer for the next 6 months. Also I wanted the Savor One badly because I live literally right next to a C1 Cafe so now my coffee spending is cut in half for $0 annual fee.
wow abuse the hell outta that C1 cafe 👏🏽
Got denied even though I only applied for one card in the last 48 months, the other Capital One Venture X. I got approved for that one. I also didn't answer the Do you carry a balance question (optional). Should have just checked YES. Also they asked about citizenship in other countries? Weird.
Capital One is all over the place 🙄. the next time I apply I will have to change some of my answers
I was pre approved for the secured silver card. I waited a month or 2 then tried for the savor one and got approved 🤷🏻♂️
🥂🥳 Congratulations! Im happy for you (totally not jealous too)!
Wow Chase I think you should give it sometime and try again 👍🏾and stay strong 💪🏾🙂
thank you 😢 imma try again in October
What I really see is that what you need is a sign bonus not a credit card. CO sees the same.
I always gotta get a SUB
Never give up 😂 I believe in you
thank you Xavier 🥹 I hope I can make you proud when I apply again later this year
@@ChaseYokoyama capital 1 just likes to play hard to get. The only reason I am in their ecosystem is because of my wife 👍🏼 I am in the same boat when I try to apply
I got a email from them stating I was presapproved for a savor one. 825 credit score and was denied. Waste of a inquiry
oh wow. sorry to hear that. Capital one is being so stingy
This is pretty close to my experience with Capital One. Very Frustrating. I've (finally) got the Venture X and Savor One. I'm done with applying for more cards with them
Did you wait 6 months between each card?
@Kenny-uo9yt Can't remember, but I think it was less than six months
luckyyyy 😢 I hope I can experience that tasty Capital One duo like you
@@PurpleDrazi I just got the Venture X not long ago. I will apply the Savor One, but I heard a rumor that CL One wants us to wait 6 months before applying for another card. Thx for the reply btw.
Yeah, I have the Venture One and Venture X, but can't seem to get the Savor One.
Curse you Capital One!
I got denied for the venture recently due to I think too many cards and too many inquiries. It sucks though because I still want to apply for more cards and I don’t plan on cancelling any cards so… I’m stuck lol
Feels like I have to wait until I’m ready to dip into chase again before I hit C1
yaaaaa i feel that pain. Its almost like once you start the credit journey you cant get cap one for a while.
@@ChaseYokoyama yeah. Guess I can always give a try every like… 6 months lol
A small hit doesn’t hurt to try
I was denied tonight. Approved for the business one. I tried to also get the personal one. Maybe a bad idea.
its okay. at leas you got one of them 👍🏽. give it some time and go back for the other.
@@ChaseYokoyama I got it finally. I ended up getting 5 cards in a week. I went crazy. I thought I was not approved initially but it was just a delay I guess. Between my wife and I and my business we got the Venture x personal and business, Bilt, Saphire prefered and an Ink card
I will steal your childbirth joke 😂
im sorry you had to go through the traumatic childbirth experience as well 😢 you are not along brotha
@@ChaseYokoyama thanks, that means a lot to me. We should start a support group for others like us.
@@ChaseYokoyama this bank's so overrated, it needs a new owner at this point
@@isao_the_2nd sign me up if they're taking applications
@@ChaseYokoyama I highly doubt capital one's oversensitivity in regards to hard inquiries are ever gonna change. I wouldn't count on it to be honest
Thumbs up, do not feel bad i got denied for Venture X card, reason is because i have five C1 cards already, 3 Venture One, Quicksilver, and walmart
not sure if the rules has changed (haven't looked into it recently) but IIRC CapOne limits you to 5 cards total
@ChaseYokoyama Yeap, 3 cards over 20 year history other two 12 years so can not afford to cancel and C1 will not let me upgrade or do product change....
Welp now you will have 2 quicksilvers since they are discontinuing the Walmart card. Switch to a savor one, whichever has the higher limit
I have both card i have first venture X and 3 month letter i call capital one see when i can apply for other credit card she told me wait 6 month and apply 6 month letter and approved for savor one 👍🏻👍🏻👍🏻👍🏻
yewww very nice job! congrats on the pickups! 🔥
Bro omg that ending…👀
😭😭😭
I’ve had a Cap 1 card for 24 years. To this day they still won’t let me product change it to a Savor 1 😢
I think I heard u need to hold a card for minimum 85 years before you can product change 😂
Literally just got approved 30 mins ago
lucky! congrats on the approval
Capital one sucks. They won't even let me product change my credit card. 👎
Has to be the same issuer, MC to MC visa to visa. I just changed mine on the website last week.
@@iankm1 i called capital one and they said it wasn't offered. I never have issue with Amex product changing my cards. Who does capital one think they are? Chase or Amex? Never!
They are like that one strict parent. Amex and Chase are the "cool" parents.
@@ChaseYokoyama Amex acts funny with their sign up bonuses too sometimes. But atleast they haven't given me a hard time with product changing.
From what to what?
Sorry to hear. Which of your credit reports did they pull?
they pulled from Experian
PLEASE DON’T LET THEM TAKE OVER DISCOVER…. 😐😐😐😐😐
Respectfully, pleaseeee never chew gum for a video again, nearly unwatchable. Love❤️
sir yes sir. thats my bad
You got pre-approved for the good credit card not the excellent credit which is the sub
ya I baited and switched myself 🤡
Too soon, Junior😂
waiting for me it is 🤡
Hey Chase I saw in your video in the row of employment you selected self employed instead of employed, I think this was the reason that Capone denied your application.
i'll consider looking into that the next time I apply
Every time I see someone type it as "Capone" I think of Al Capone the Gangster!
@@jeromehenry4484 they might as well be a mob boss by the way they bullying people like this
Using Venture for more than 2 year. Recently applied for Savor 1 but got denied. I hate C1.
you're not alone 🫶🏽
Chase sends me pre-approval letters in the mail regularly and then still denies me🤷🏻♂️
they doing you dirty 😭
Capital One has changed…
I thought Amex had all the hard cards to get 😭
capitol one is not worth my time
yup go where they will give you good business
Interesting video. But please, no more gum chewing in your videos. I think that's rule number one of broadcasting. 😉
🫡 noted
Good for you for having the balls to call out Capital One!!
i mean im just frustrated that they are so sensitive 🙃 They need to take a page out of Amex's book with the platinum and just let everyone and their mom have it 😂
Sorry Chase I had a Capital One Platimum in March and I cancelled it because Capital One wouldn't upgrade it to the Savor card without a preapproval letter and it wanted to do another 3 hard pulls to allow me to move up to a Savor card with Good credit. I droppoed Capital One as soon as I was approved for the Citi Double Up Card. Capital One wants 3 full years of credit history before they will even consider to a upgrade a Platinum card account. Chase I hate Capital One with a full passion. I could only watch like the part of your video. I stopped at the part of your video were you showed the Savor application. If this video would have been a short video on why Capital One hates you I could watch the whole thing. Move on with Credit Card journey like I did and just dump Capital One. I have the Chase Sappire Preffered card and it's tge only travel card I need. Capital One points aren't everything in life when there are better Cards like a TD Bank Cash card.