Applying for a credit card from Capital One is relatively easy and can be done online in just a few minutes. To apply, you need to provide your name, your Social Security number, your date of birth, and your address. You will also have to provide your estimated gross annual income, and perhaps information about your checking or savings account.
When you apply for a credit card, whether it’s from Capital One or another company, a few things happen. First, the company has to verify your identity. Once that’s done, you may receive a decision on your application within a minute online. If you don’t, that doesn’t mean you were denied.
The card company will likely look closer into your credit history, paying particular attention to your payment history and the amounts you owe on other cards.
Once Capital One finalizes a review of your credit, you’ll receive a decision. You will always hear back from this company when you apply for a credit card, whether it’s an approval or a denial. When you’re approved, even if you weren’t instantly approved, you’ll receive a letter in the mail with your card and the terms of your card agreement.
If you’re denied a Capital One card, you’ll receive a letter from the company explaining why you were denied. The company is legally required to do this. Capital One says applicants are notified in writing of their decision within seven to 10 days of the application being submitted.
How to Check a Capital One Credit Card Application Status
If you don’t want to wait to receive your new card or denial letter, there are other ways to check your credit card application status.
The best way is to call the company directly. Capital One advises applicants to contact them at 1-800-903-9177 to check their credit card application status. When you call the company, they will likely ask for your Social Security number.
Capital One, unlike some other credit card companies, doesn’t let applicants check their status online. The Capital One phone number is the only currently available option for checking status. Capital One doesn’t provide a contact email address to check an application status, either.
If you are declined for a Capital One credit card, you might receive a copy of your denial letter online. If not, you can contact the company at the same number as above, and they will mail you another copy.
If you do find out that you’ve been denied a Capital One card, it might not be because of your credit history. It can be for other reasons as well. For example, sometimes Capital One denies applicants because they’ve tried to apply for too many cards from the company within a short time period.
If you are denied and you want to apply for a card from another company, try to see if you pre-qualify before you actually submit an application. Each time you submit a card application from any company they will do a hard pull on your credit, which can negatively impact your credit score. If you can find out if you pre-qualify without a hard inquiry, it’s better for your credit.
Meanwhile, if you are in the process of applying for a Capital One, rest assured that there are ways to check the status of your application so that you can plan your next moves with your finances.