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Frequent Contributor
Posts: 391
Registered: ‎03-21-2014
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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 (4/01/2015): EQ 686 EX 668 TU 669
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Moderator
Posts: 27,927
Registered: ‎12-13-2013
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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 Smiley Happy


EX Fico 08 Bankcard 08/16: 811 (+7) EX Fico 8; 783 (0)
TU Fico 8 08/16: 777(-3)
EQ Fico 8 08/16; 778 (0)
Frequent Contributor
Posts: 391
Registered: ‎03-21-2014
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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 (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

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Valued Contributor
Posts: 1,656
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

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Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

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Moderator
Posts: 27,927
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 Fico 08 Bankcard 08/16: 811 (+7) EX Fico 8; 783 (0)
TU Fico 8 08/16: 777(-3)
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Frequent Contributor
Posts: 391
Registered: ‎03-21-2014
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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 (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

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Established Contributor
Posts: 594
Registered: ‎02-14-2013
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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.

Frequent Contributor
Posts: 391
Registered: ‎03-21-2014
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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 (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

Take the myFICO Fitness Challenge


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Frequent Contributor
Posts: 391
Registered: ‎03-21-2014
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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!  Smiley LOL



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

Take the myFICO Fitness Challenge


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New Contributor
Posts: 69
Registered: ‎03-22-2009
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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!  Smiley LOL


Congrats! Smiley Happy



April EQ 558 TU08 556 EX 543
Current EQ 587 TU08 567 EX 560
Garden: Take #2 (2017 - ouch)
2017 Goals: Chase Freedom & CSP - American Express - Citi Double Cash (yeah those would be nice to hold)

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