topic Re: Capitial One in Credit Card Applications

Capitial One

rrdm78 — Sun, 11 Oct 2015 19:58:55 GMT

I have a question my following FICO 8 scores are as followed:
EX:623

TransUnion : 559

Experian : 626

I applied today for a Capital one credit card and not approved instantly. The message said I will received an answer in 7-10 business days. Has anyone got an approval after receiving that message.

Thanks

Re: Capitial One

Pway — Sun, 11 Oct 2015 20:05:58 GMT

Just curious what card did you app for?

Re: Capitial One

willwar14 — Sun, 11 Oct 2015 20:09:17 GMT

"We attempt to provide an application decision in 60 seconds or less. On occasion, system availability affects our ability to make a credit decision or, in some cases, we need to collect additional information. Unfortunately, we need more time to look into this for you.

Keep an eye out for additional details regarding your application via email or mail within 7-10 business days."

is that the message you got?

Re: Capitial One

rrdm78 — Sun, 11 Oct 2015 20:28:06 GMT

Yes, that is the message I recieved today. Does that mean I will not get the card?

Re: Capitial One

willwar14 — Sun, 11 Oct 2015 20:31:53 GMT

It might, but it could also be ID verification, id call them to see whats going on, heres the number, 1800-903-9177.

Re: Capitial One

Anonymous — Mon, 12 Oct 2015 01:55:44 GMT

My sister had the same message after she was pre-approved, it took a couple days, but she got approved. She did call in and had it reviewed.

Re: Capitial One

SouthJamaica — Mon, 12 Oct 2015 13:04:00 GMT

@rrdm78 wrote:
I have a question my following FICO 8 scores are as followed:
EX:623
TransUnion : 559
Experian : 626

I applied today for a Capital one credit card and not approved instantly. The message said I will received an answer in 7-10 business days. Has anyone got an approval after receiving that message.

Thanks

I'm pretty sure it's a denial.

Re: Capitial One

Anonymous — Mon, 12 Oct 2015 15:09:58 GMT

I wonder why your tu score its lower than the others?? Any baddies or lots of inquiries??

Re: Capitial One

Anonymous — Mon, 12 Oct 2015 15:10:44 GMT

This happen to many sister last week. The message she got was the one above and i told her that it sounded different than the normal denial message. Lo and behold she got an email a couple days later she was approved.

Re: Capitial One

Anonymous — Mon, 12 Oct 2015 15:11:31 GMT

My not many lol

Re: Capitial One

rrdm78 — Mon, 12 Oct 2015 15:25:24 GMT

My TU score is low due to a tax linen that is being vacated. I have disputed it and i called TU today it has been removed and one collection account that Is still being disputed.

Re: Capitial One

rrdm78 — Tue, 13 Oct 2015 15:19:43 GMT

I contact capital one they said they are in the middle of processing my application . Because I have a fraud alert the fraud dept will get in contact with me to verified my information. May be I will get approved.

Re: Capitial One

willwar14 — Tue, 13 Oct 2015 16:15:08 GMT

My mom had to go throught the process of sending in docs, she also had a fraud alert, did they ask for docs? Id call back and make sure if they don't.

Re: Capitial One

jbsea — Tue, 13 Oct 2015 21:24:52 GMT

I got the same messagew hen I apped for the vantage... I forgot about it and 3 days laterg got a email saying approved

Re: Capitial One update 10/19/15

rrdm78 — Tue, 20 Oct 2015 00:11:26 GMT

I am so excited I just got word that I got approved for the Quicksilver Capital One credit card. My credit limit is $2,000. So far my credit cards are as followed:

Merrick Bank Approved on 10/11/15 - Mailed a preapproval letter $400 will increased to $800 after the 7th payment

Bank America Approved on 10/16/15 $2, 500

Capital one QuickSilver Approved on 10/19/15 $2,000 Applied on 10/11/15

For now I will not apply for any more credit cards. I will build on these credit cards. By summer of next year I will be applying for a Mortgage.

This site has help me a great deal in rebuilding my credit.

Re: Capitial One

Anonymous — Tue, 20 Oct 2015 01:27:01 GMT

Yay congrats on your new CapOne card!!

Re: Capitial One

OmarGB9 — Tue, 20 Oct 2015 05:48:22 GMT

Grats