topic Re: capital one walmart mastercard application in Credit Card Applications

capital one walmart mastercard application

Anonymous — Tue, 24 Sep 2019 17:18:16 GMT

I have the walmart store card that was from synchrony bank for almost two years,

Today I try to apply for the new one form capital one , to see if they upgrade my store card tor the mastercard .

and I got the following message: "Capital One will notify you of your application status within 7-15 working days"

Is that good or bad?

Re: capital one walmart mastercard application

Anonymous — Tue, 24 Sep 2019 17:24:10 GMT

Doesn't sound good.

Re: capital one walmart mastercard application

PutThatMoneyOnTheTable — Tue, 24 Sep 2019 17:26:55 GMT

Previous threads said:

7-10

8-15 and now

7-15

Capital One needs to get it together.

@Anonymous wrote:
I have the walmart store card that was from synchrony bank for almost two years,
Today I try to apply for the new one form capital one , to see if they upgrade my store card tor the mastercard .
and I got the following message: "Capital One will notify you of your application status within 7-15 working days"
Is that good or bad? With Capital One you can never tell. Kepp your fingers crossed.

What are you DP? Capital one requires excellent credit when apping for this card.

Re: capital one walmart mastercard application

FinStar — Tue, 24 Sep 2019 18:00:21 GMT

@PutThatMoneyOnTheTable wrote:
Previous threads said:
7-10
8-15 and now
7-15
Capital One needs to get it together.
@Anonymous wrote:
I have the walmart store card that was from synchrony bank for almost two years,
Today I try to apply for the new one form capital one , to see if they upgrade my store card tor the mastercard .
and I got the following message: "Capital One will notify you of your application status within 7-15 working days"
Is that good or bad? With Capital One you can never tell. Kepp your fingers crossed.

What are you DP? Capital one requires excellent credit when apping for this card.

I'm fairly certain there's a standard "splash page" response from Capital One, but maybe it wasn't captured accordingly? It's possible, as more DPs are obtained, there'll be a more consistent response pattern.

@Anonymous, not sure whether Capital One would upgrade your existing store card to the MC version via this application. Potentially, as mentioned on another thread, they'll consider it for the MC as a new application, but if you don't qualify then it may turn into a decline if you already have an existing [store] account.

Re: capital one walmart mastercard application

Matt9543 — Sun, 29 Sep 2019 05:19:47 GMT

If I remember correctly, when messing around with the Walmart app I saw something about Synchrony accounts possibly being moved over to Capital One automatically starting october 11.

Re: capital one walmart mastercard application

Anonymous — Tue, 01 Oct 2019 01:08:35 GMT

Since you already have an account you likely wasted a HP, you should have gotten a letter in the mail informing you that your account would just simply transfer right over and that current card holders did NOT need to reapply. I know I’ve received at least 3 letters during this process, if you have not maybe check to make sure your address is correct?

As for upgrading the card, I would wait until the transfer is complete and then call in and inquire about an upgrade without another HP as they should have one on file from the pull they just done. The transfer should be completed by October 14th, least it tells me my account information will be available via my Cap1 account along with my other accounts with them.

Re: capital one walmart mastercard application

HighAchiever — Tue, 01 Oct 2019 02:46:37 GMT

Dang... an unnecessary Triple Whipple 🤦🏻‍♂️

Re: capital one walmart mastercard application

Anonymous — Wed, 02 Oct 2019 00:20:02 GMT

@HighAchiever wrote:
Dang... an unnecessary Triple Whipple 🤦🏻‍♂️

I can laugh cuz I've made the mistake of apping too soon after an approval myself with Cap1. Wasn't funny when it happened tho

6 HPs and all I get is this 1 piece of plastic?????

Re: capital one walmart mastercard application

Anonymous — Wed, 02 Oct 2019 00:22:23 GMT

Ummmm... I'd like to order a "Double Triple Whipple" please.... hold the onions... Thanks.

Re: capital one walmart mastercard application

zerofire — Wed, 02 Oct 2019 16:25:26 GMT

While I can safely say that I believe you might have wasted a perfectly good set of HP's the reality is that Capital One is just getting started on issuing cards with the transfer not being complete. It is possible that you are in a better position for the MasterCard variant without us knowing compared to the past. In reality though Capital One will be much more harsh on issuing MasterCard's and you can plan on stingy limits. Likewise low level store card approvals will most likely be increased.

The 7-15 day message is pretty standard assuming that you did not have a profile good/bad enough for automatic approval/denial. My biggest concern will be how Capital One will handle you having multiple cards of the same kind once transfers become finalised starting on October 14th. If I were you I would have waited until the transfer was over and then asked for an upgrade to the MasterCard. Would have been way easier.