Capital one

[Deltadog03]

I applied for the secure card and got approved, but 2 days later I tried to apply for the unsecured plat card and got the 7-10 day messageknow have done a lot of reading on here(thank you btw) and it doesn't really mean approval or denial. So my question is, could it be that I just moved, and used new address on my app and I haven't had anything new reporting after my bk to my new address. So, could that be the reason? They need to verify more info?  I fully understand that it could still be denied for my credit reason, but they pulled that last Wednesday night and I figure if my credit was not good enough they more than likely would have denied it right away. So has anyone had this happen to you?  If so, how do they verify, or what happens next?  I called them today and they said its still pending, and I thought she said something about needing more info. thanks again!

chris. 

EX 578

EQ 544

TU 515

[Countingpennies]

I got the 7-10 day msg., a few days later a letter asking for income verification. I sent in in (I think I faxed it,) and was approved.

[LS2982]

I believe you have to wait a certain period of time after being approved for 1 Cap1 card before going for a 2nd.

[SamsungHDTV]

I did the exact same thing. Applied and approved for secured, then applied for unsecured. They denied me because I had a too recent of a application which was for the secured card. Told me I have to wait thirty days between applications. But they didn't pull my credit twice

[Deltadog03]

Ok, thank y'all. Hope they approve it, and if it was too soon, that would suck that they HP twice. 

[Deltadog03]

Update:

I called Cap 1 for an update to see if there was any decision on my unsecured plat card, and the lady on the phone told me that my app has been approved, but my account hasn't been setup yet. I wanted to make sure that she didn't mean the secured card (I knew that I was approved for that instantly) and said so my secured and unsecured cards/apps have been approved and she said yes. woohoo! So, not all 7-10 days decisions mean denial. She said I can call back in 4 days to see what the limit and all that stuff is on it. Doesn't matter as I am going to keep it under 9% utl. Anyone else have that stuff happen where there is an approval, but account isn't set up yet?

[BrokaToe]

Haven't had that happen. But about a year ago I applied for the secured and was approved, then tried to apply for another one the next day and it said I had to wait 30 days in between applications. The second app didn't even result in a HP, they just kicked out the app.

Congrats on your approvals btw!

[myjourney]

I know someone this happened to last week and they were approved. The next step you will get an email stating your card has shipped. Congrats!!!!!!!!!!!! on both accounts

[Deltadog03]

Thank y'all!  I'm certainly going to be doing things much better when it comes to my credit. Going to charge only a small amount on each card each month and PIF at the end of the month. time to head to the garden as a new member. 

[Henchman21]

I took two HPs when I did that. And I was denied the second card. Bummer.