topic Re: GF Applied for Capital One QuickSilver but...... in Credit Card Approvals

GF Applied for Capital One QuickSilver but......

Hcontreras — Sun, 23 Feb 2014 22:37:25 GMT

So my girlfriend just applied for a Capital One QuickSilver card online.....Her credit is impeccable with a score ranging between 805-820 across all three CRA's. She has a Chase Slate card (14 year old account) at a CL of $22,000 with 6% utilization, Discover card at a CL of $25,000 showing 0 balance, mortgage almost paid off (later this year) a vehicle with one year left to pay off....NEVER late on anything! Makes $82,000 year.....However, when she applied online for the QS just now, it gave her the 7-10 day notice. Anybody ever experienced this with Cap 1? I can't imagine she had been declined!!!! WTH?!?!!!

Re: GF Applied for Capital One QuickSilver but......

wHiTeSoL — Sun, 23 Feb 2014 22:50:03 GMT

Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN

Re: GF Applied for Capital One QuickSilver but......

coldnmn — Sun, 23 Feb 2014 22:51:07 GMT

Wow so sorry! She definitely has to contact the executive office if denied Cap1 continues to amaze me in their thinking process. I am on my tablet or I would PM the email or number hopefully someone will soon.

Good Luck to her!

Re: GF Applied for Capital One QuickSilver but......

Hcontreras — Sun, 23 Feb 2014 22:54:44 GMT

@wHiTeSoL wrote:
Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN

No. I'm afraid she'll get the 'foreign' customer service line on Sunday (in my experience they are useless). She said she will wait until tomorrow to call.

Re: GF Applied for Capital One QuickSilver but......

Hcontreras — Sun, 23 Feb 2014 23:01:18 GMT

@coldnmn wrote:
Wow so sorry! She definitely has to contact the executive office if denied Cap1 continues to amaze me in their thinking process. I am on my tablet or I would PM the email or number hopefully someone will soon.
Good Luck to her!

Odd thing is that I talked her into applying for it. I got approved for the Quicksilver last month with one baddie (less than a year old) and scores ranging in the mid 600's for TU and EQ and a fako of low 700's for EX. When I applied for the QS I had only had one Cap 1 secured card for only 6 months at the time (Clearly rebuilding my credit). This is baffling me!! I don't get it!

Re: GF Applied for Capital One QuickSilver but......

wHiTeSoL — Sun, 23 Feb 2014 23:54:37 GMT

You're overthinking this, and if you're worried about oversea call centers you're going to have a tough time with a lot of creditors. There isn't anything to worry about until you call.

Re: GF Applied for Capital One QuickSilver but......

Hcontreras — Mon, 24 Feb 2014 00:07:42 GMT

@wHiTeSoL wrote:
You're overthinking this, and if you're worried about oversea call centers you're going to have a tough time with a lot of creditors. There isn't anything to worry about until you call.

Yep, I'm sure it's just some kind of verification deal. I would be shocked if it outright denied her. If so, I'd like to know the reason she was denied, so I could LMAO and call them crazy! Her credit is impeccable with any derogs at all.....Not even one late payment ever! Not one!! She's extremely smart about how she goes about her finances, in fact, she is a finance person by trade at ExxonMobil (drilling U.S. division) for 21 years. I can't wait to hear their explanation if she was denied!

Re: GF Applied for Capital One QuickSilver but......

efranklin23 — Mon, 24 Feb 2014 22:53:20 GMT

@wHiTeSoL wrote:
You're overthinking this, and if you're worried about oversea call centers you're going to have a tough time with a lot of creditors. There isn't anything to worry about until you call.

+1 This is nothing to worry about. Just wait till tomorrow then.

Re: GF Applied for Capital One QuickSilver but......

SunriseEarth — Tue, 25 Feb 2014 00:39:43 GMT

@wHiTeSoL wrote:
Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN

+1. This is probably a verification issue. Maybe they had a hard time believing someone with her scores was applying for a Cap One card....hehehe.

Re: GF Applied for Capital One QuickSilver but......

Hcontreras — Tue, 25 Feb 2014 01:10:21 GMT

@SunriseEarth wrote:
@wHiTeSoL wrote:
Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN
+1. This is probably a verification issue. Maybe they had a hard time believing someone with her scores was applying for a Cap One card....hehehe.

LOL!!! I LMAO when I read this! LOL. The QS actually fits her needs on cash back. She doesn't like the other cards that have categories to sign up for, etc....She has a discover like that. That's why she has a 0 balance on it. Lol

Re: GF Applied for Capital One QuickSilver but......

SunriseEarth — Tue, 25 Feb 2014 01:27:31 GMT

@Hcontreras wrote:
@SunriseEarth wrote:
@wHiTeSoL wrote:
Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN
+1. This is probably a verification issue. Maybe they had a hard time believing someone with her scores was applying for a Cap One card....hehehe.
LOL!!! I LMAO when I read this! LOL. The QS actually fits her needs on cash back. She doesn't like the other cards that have categories to sign up for, etc....She has a discover like that. That's why she has a 0 balance on it. Lol

LOL. It's a good overall cash back card and you can get rewards on a frequent basis. So it's definitely good. I'd be very content with mine if the CL were higher!

Re: GF Applied for Capital One QuickSilver but......

Hcontreras — Tue, 25 Feb 2014 01:44:38 GMT

@SunriseEarth wrote:
@Hcontreras wrote:
@SunriseEarth wrote:
@wHiTeSoL wrote:
Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN
+1. This is probably a verification issue. Maybe they had a hard time believing someone with her scores was applying for a Cap One card....hehehe.
LOL!!! I LMAO when I read this! LOL. The QS actually fits her needs on cash back. She doesn't like the other cards that have categories to sign up for, etc....She has a discover like that. That's why she has a 0 balance on it. Lol
LOL. It's a good overall cash back card and you can get rewards on a frequent basis. So it's definitely good. I'd be very content with mine if the CL were higher!

Yes, I agree. I've had mine for a month. They started me out at a CL of $1,000. Hope it grows consistently down the road. I wish they would have started me at least at $3,500. Chase Freedom did. I applied for the Freedom a couple weeks after the QS and they started me out decently....

Re: GF Applied for Capital One QuickSilver but......

traveler2005 — Tue, 25 Feb 2014 03:31:42 GMT

So did your GF get her card?

Re: GF Applied for Capital One QuickSilver but......

Hcontreras — Tue, 25 Feb 2014 19:47:26 GMT

Yep, they called her and said she was approved ----> 5k to start.

Re: GF Applied for Capital One QuickSilver but......

alvon123 — Tue, 25 Feb 2014 20:55:40 GMT

@Hcontreras wrote:
Yep, they called her and said she was approved ----> 5k to start.

congrats

Re: GF Applied for Capital One QuickSilver but......

yudeology101 — Tue, 25 Feb 2014 21:12:18 GMT

@SunriseEarth wrote:
@wHiTeSoL wrote:
Has she tried to call capital one? Maybe she just needs to verify her ID or she hit a wrong number with her SSN
+1. This is probably a verification issue. Maybe they had a hard time believing someone with her scores was applying for a Cap One card....hehehe.

LOL

Re: GF Applied for Capital One QuickSilver but......

yudeology101 — Tue, 25 Feb 2014 21:13:39 GMT

Congrats to your DG on her approval!

Re: GF Applied for Capital One QuickSilver but......

efranklin23 — Wed, 26 Feb 2014 07:10:23 GMT

Congrats on your GFs card. See, nothing to worry about

Re: GF Applied for Capital One QuickSilver but......

TheCARDS — Wed, 12 Mar 2014 18:10:14 GMT

hey, the same thing happened to me, I am new to this Forum by the way. I only have just one card (Chase Freedom) and I love it. I just got it last in FEB actually.

but I've applied for the CAP1 quicksilver on saturday 9th and i got the 7-10 day message as well........so i called and they said that i needed to fax a copy of my SS, and a Utility bill. and that it would take about 3 weeks to process,,,OMG three (3) weeks...HELP!!!!!!.... should I call the Executive office for this?. and can somebody please provide me with that info? number or email.....i'd really appreciate this ..

Re: GF Applied for Capital One QuickSilver but......

gdale6 — Wed, 12 Mar 2014 18:32:45 GMT

@TheCARDS wrote:
hey, the same thing happened to me, I am new to this Forum by the way. I only have just one card (Chase Freedom) and I love it. I just got it last in FEB actually.
but I've applied for the CAP1 quicksilver on saturday 9th and i got the 7-10 day message as well........so i called and they said that i needed to fax a copy of my SS, and a Utility bill. and that it would take about 3 weeks to process,,,OMG three (3) weeks...HELP!!!!!!.... should I call the Executive office for this?. and can somebody please provide me with that info? number or email.....i'd really appreciate this ..

Just call the same number back that you have called already a few days after you fax the info. Good luck