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Regular Contributor
joeyoey
Posts: 224
Registered: ‎03-21-2014
0

Capital One Quicksilver 7-10 Day Answer?

So, I've had some success the past 2 months or so paying off some older bills & sending GW letters.  I decided it's time to "garden" for a few months and not apply for anything else till later this year.  

 

Well, I got "itchy fingers" yesterday and tried to apply for a Capital One Quicksilver card.  Unfortunately, I got the "7-10 day" message.  

 

I'm wondering if I might just go ahead and set myself up for a denial letter in the mail in a few days or is there a possibility they might still approve me?  I've currently got a Cap One secured card with $1000 limit (started out at $500 and raised it to $1000 about a month ago) along with another $1000 secured credit card with my credit union and a few store cards (these are all very new though).  My score with Transunion is 662 and with Equifax & Experian each are around 620.  If I get declined, is there a chance they might reconsider if I call the recon number?

 

Thanks for any insights!



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (10/29/2014): EQ 665 EX 677 TU 660
End of Year Goal Score: 700

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Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

Re: Capital One Quicksilver 7-10 Day Answer?

The message means they are reviewing the app, if they were going to deny it would have come back as denied.  Call them on Monday and see if they need anything from you. A recon for denial would need to go to the EO. Good luck :smileyhappy:

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Regular Contributor
joeyoey
Posts: 224
Registered: ‎03-21-2014
0

Re: Capital One Quicksilver 7-10 Day Answer?

Thanks for the info.  Any idea what the best number to call (to see if they need anything else)?



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (10/29/2014): EQ 665 EX 677 TU 660
End of Year Goal Score: 700

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Valued Contributor
bigblue7722
Posts: 1,269
Registered: ‎05-17-2013
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Re: Capital One Quicksilver 7-10 Day Answer?

If denied email the eo. Google capital one ceo email and someone from his office will call you. Be nice and tell them how much u like capital one and want to build a relationship with them

TU08 Fico Score (689)-Goal Score-(750)
AMEX PRG NPSL,CSP $6000, AMEX BCE $5000, Chase Marriott $5000,Chase Hyatt $5000, Capital One Quicksliver $3500,Chase Freedom $3200, Discover it $3000,Paypal smart connect $3000, Sallie Mae Mastercard $2900
Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
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Re: Capital One Quicksilver 7-10 Day Answer?


joeyoey wrote:

Thanks for the info.  Any idea what the best number to call (to see if they need anything else)?


Here is the location of the backdoor number thread, I would call the credit specialist number http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/m-p/408066

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Regular Contributor
joeyoey
Posts: 224
Registered: ‎03-21-2014
0

Re: Capital One Quicksilver 7-10 Day Answer?

Ok, i called this am & they said they needed to comfirm my home address (I gave my mailing address which is a po box during the application).   She took that information & said I should know something in about a week.  Had anyone ever got that question before?  Maybe that's a good sign?  Seems to me if they were going to decline it they wouldn't need two addresses for that.  



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (10/29/2014): EQ 665 EX 677 TU 660
End of Year Goal Score: 700

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Frequent Contributor
Countingpennies
Posts: 465
Registered: ‎02-14-2013
0

Re: Capital One Quicksilver 7-10 Day Answer?

I've seen a number of CC apps that don't like PO Boxes, and Cap1 likes to confirm all kinds of things if you are new with them, address, income, etc. At least it wasn't a flat-out denial.

Regular Contributor
joeyoey
Posts: 224
Registered: ‎03-21-2014
0

Re: Capital One Quicksilver 7-10 Day Answer?

I already have a secured card with them so I thought it was kind of an odd question, but I'm glad it wasn't a flat-out not.  I'm crossing my fingers!



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (10/29/2014): EQ 665 EX 677 TU 660
End of Year Goal Score: 700

Take the myFICO Fitness Challenge


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Regular Contributor
joeyoey
Posts: 224
Registered: ‎03-21-2014
0

Re: Capital One Quicksilver 7-10 Day Answer?

[ Edited ]

Well, I never got an official notification but a little while ago I got an email from Capital One saying that my card had just shipped!  Since I wasn't sure whether or not I actually got it I called & sure enough...I got approved!  It's a pretty small cl ($500) but other than secured cards & store cards (gotten with the "shopping cart trick"), this is my first "real" card in years.  I'm so excited...I feel like I've finally (finally!) made some official progress!  :smileylol:



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (10/29/2014): EQ 665 EX 677 TU 660
End of Year Goal Score: 700

Take the myFICO Fitness Challenge


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Valued Member
tiffjtiffj
Posts: 36
Registered: ‎03-22-2009
0

Re: Capital One Quicksilver 7-10 Day Answer?


joeyoey wrote:

Well, I never got an official notification but a little while ago I got an email from Capital One saying that my card had just shipped!  Since I wasn't sure whether or not I actually got it I called & sure enough...I got approved!  It's a pretty small cl ($500) but other than secured cards & store cards (gotten with the "shopping cart trick"), this is my first "real" card in years.  I'm so excited...I feel like I've finally (finally!) made some official progress!  :smileylol:


Congrats! :smileyhappy:



April EQ Fico 558 TU08 556 EX FICO 543
Goal: Not looking away and holding breath after submitting app - Garden Club 04/25/2014 (until 7/3/15)
Cap1 QS1 $300 / Merrick $550 / US Bank (Secured $300) / Union Bank (Secured $300) New all opened March 2014

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