Reply
Super Contributor
Ron1
Posts: 5,456
Registered: ‎05-23-2009
0

Did I Get Denied OR Approved???

I applied for Cap1 Cash Back Card. I didn't get instant decision. I got the following message:

 

Thank you for submitting an application for a Capital One credit card!

 

Notification of approval status will be typically sent in 7 to 10 business days, however, in certain circumstances it may take up to 15 days.

 

In the interim, please do not submit another application, as only the first application received will be valid.

 

Did I get denied or approved? What do you think?

 

 

Ron.

Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: Did I Get Denied OR Approved???

do you currently have any Cap1 cards?

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Did I Get Denied OR Approved???

Did you apply for one for average or excellent credit?

I applied for the card designated for average credit in July 2012. I was instantly approved for $2000. I received a CLI to $2500 last month.

If you were denied, they would have said so when you applied. The 7-10 message sometimes just means they need more verification. You can call to see if a rep will tell you what you need to provide over the phone.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Member
BornSupercharged
Posts: 85
Registered: ‎02-08-2013
0

Re: Did I Get Denied OR Approved???


MovingForward_2012 wrote:
[...] The 7-10 message sometimes just means they need more verification. You can call to see if a rep will tell you what you need to provide over the phone.

Not always, sometimes I think they just put that to get your hopes up. You could get the rejection letter in the mail. It's a crapshoot if you dont get instant approval/instant denial.


Total CL $179k | Budget Management | FICO Scores (TU 693) (EX 718) (EQ 729) | EIDT Me+Spouse Plan
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Did I Get Denied OR Approved???

I said, "sometimes". LOL
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Member
BornSupercharged
Posts: 85
Registered: ‎02-08-2013
0

Re: Did I Get Denied OR Approved???


MovingForward_2012 wrote:
I said, "sometimes". LOL

True. The only time I got that message but still got approved was with my AMEX BCE. Every other time I get the dreaded denial in the mail. So there is hope!


Total CL $179k | Budget Management | FICO Scores (TU 693) (EX 718) (EQ 729) | EIDT Me+Spouse Plan
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Did I Get Denied OR Approved???

Fingers crossed for you Ron!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Did I Get Denied OR Approved???

   The best way for you to find out more information would be to call them and ask.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Regular Contributor
dtjones052209
Posts: 116
Registered: ‎01-28-2013
0

Re: Did I Get Denied OR Approved???

Ron-

 

I received a message similar to that one and they sent me a letter in the mail saying that i have too many Capital One cards and that they did not do a credit pull. I am not sure, but good luck!



Super Contributor
Ron1
Posts: 5,456
Registered: ‎05-23-2009
0

Re: Did I Get Denied OR Approved???

Thanks for the replies.  I have one Cap1 credit card. I applied for Cap1 Cash Back for excellent credit. I'm sure they pulled HP.  My Tu score was 738. EQ was 801.  No late, no charge-off.

 

 

Ron.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}