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Valued Contributor
Ron1
Posts: 2,870
Registered: ‎05-23-2009

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.

Established Contributor
j_casteel
Posts: 1,000
Registered: ‎06-21-2012

Re: Did I Get Denied OR Approved???

do you currently have any Cap1 cards?

| AMEX Zync PSL | Walmart $900 | Cap1 Green $1.5k | Amazon $1k | NFCU Visa Sig $10k | NavChek $15k | NFCU Platinum MC $2k | Lowe's $1.2k |
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700

Proud to say that ALL past due debt has been paid and I never declared BK!!
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

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

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

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

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: 14,365
Registered: ‎04-09-2011

Re: Did I Get Denied OR Approved???

Fingers crossed for you Ron!!



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
Established Contributor
dddewdrop
Posts: 769
Registered: ‎02-06-2013

Re: Did I Get Denied OR Approved???

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


0/5000/4001/10000/2000 FICO EX 645,EQ 648,TU 648...Link to my Rebuild Log
Valued Member
dtjones052209
Posts: 29
Registered: ‎01-28-2013

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!



Valued Contributor
Ron1
Posts: 2,870
Registered: ‎05-23-2009

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.


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