Reply
Super Contributor
Posts: 6,643
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
Posts: 1,927
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 $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | 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
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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Established Member
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
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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Established Member
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
Posts: 15,442
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
Posts: 1,074
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.

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Regular Contributor
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
Posts: 6,643
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.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.