Applying and account information

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1. What is the information I need to provide while making an application for my credit card?

To get a Capital One credit card, you need to make an application and also submit some necessary details about you. These are the information one needs to provide to get his Capital One credit card:

  • Name of the applicant
  • Birth Date
  • Social Security code
  • Physical address
  • Annual income (roughly calculated)
  • Information of checking or/and savings account

2. Is adding an authorized user with the card possible?

It is possible to add any authorized user online. For that, at first, you have to sign in to your account or give a call on the number mentioned on the opposite side of the card. But to be able to add users to your card or account, you have to be one of these followings: primary cardholder or secondary cardholder or a lawyer or the account manager of a small business.

You cannot add the user during your application procedure. You can do it only when you are already approved. This feature is not available for the co-applicants. You can add any authorized user when you have your account opened.

3. What is the process to know the application status of the Capital One credit card?

If you make an application for your credit card through online or on phone, you will receive a response from the company within 60 seconds of making the application. Though sometimes, it takes a little longer to gather all information and come up to a decision.

The application status for your credit card can easily be checked if you give a call on this number: 1-800-903-9177. You will be notified of the final decision in written form within 7-10 days after submitting the application.

4. How much time is needed to receive the Capital One credit card?

You will be mailed the Capital One credit card, all the information regarding your credit limit and other welcoming materials within 7-10 days as soon as your application is approved. In case of secured MasterCard, the applicant must pay the full deposit before the shipment of the card. After that, it will take 7-10 working days.

5. How do my payments get applied?

In general, payments are at first applied up to the minimum payment to the balances with low APR and after that to the balances that are with high APRs. if a part of the payment exceeds the minimum payment, that is applied to the balances with high APR and after that with the low APRs.

6. What do I have to do if my application gets rejected and the secure letter cannot be accessed online?

In case your application for Capital One credit card gets declined, it is normal for you to want to know the reason. We also want you to know and understand the reason why it happened. So, if the online secured letter cannot be accessed, you can give a call on the number 1-800-903-9177 to make a request for a paper version to be mailed.

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