topic Re: Finally, Capital One in Credit Cards

Finally, Capital One

injustifiiable — Wed, 04 Apr 2012 04:24:33 GMT

3/13: apply for Capital One Secured Card and Approved

3/14: submit $49 deposit

3/15: deposit leaves bank account

3/28: get email that says the image I chose was approved, should get card within 7-10 business days

4/4: get email that the card was sent yesterday and should arrive within 7-10 business days, shows last four of the account number.

Has it taken this long for others to get their cards?

Re: Finally, Capital One

Brian_Trying_700 — Wed, 04 Apr 2012 04:29:59 GMT

Capital One is a great card for rebuilding. They report to the big 3 c/r/a. It will move you up.

Re: Finally, Capital One

Anonymous — Wed, 04 Apr 2012 04:39:38 GMT

My first Cap1 was not secured, but yeah, it took a couple of weeks I believe. I think secured cards in general take more time, I assume because they already have your money

Re: Finally, Capital One

pipeguy — Wed, 04 Apr 2012 04:52:43 GMT

@injustifiiable wrote:
3/13: apply for Capital One Secured Card and Approved
3/14: submit $49 deposit
3/15: deposit leaves bank account
3/28: get email that says the image I chose was approved, should get card within 7-10 business days
4/4: get email that the card was sent yesterday and should arrive within 7-10 business days, shows last four of the account number.

Has it taken this long for others to get their cards?

When you do a custom designed image card, not a stock design, they need time to use your photo and custom make your card after content review. I suspect this "personalized image" card delayed you at least a week.

Re: Finally, Capital One

injustifiiable — Wed, 04 Apr 2012 04:56:12 GMT

@pipeguy wrote:
@injustifiiable wrote:
3/13: apply for Capital One Secured Card and Approved
3/14: submit $49 deposit
3/15: deposit leaves bank account
3/28: get email that says the image I chose was approved, should get card within 7-10 business days
4/4: get email that the card was sent yesterday and should arrive within 7-10 business days, shows last four of the account number.

Has it taken this long for others to get their cards?

When you do a custom designed image card, not a stock design, they need time to use your photo and custom make your card after content review. I suspect this "personalized image" card delayed you at least a week.

It wasn't even my own photo...it was one of theirs!

Re: Finally, Capital One

pipeguy — Wed, 04 Apr 2012 05:02:31 GMT

@injustifiiable wrote:
@pipeguy wrote:
@injustifiiable wrote:
3/13: apply for Capital One Secured Card and Approved
3/14: submit $49 deposit
3/15: deposit leaves bank account
3/28: get email that says the image I chose was approved, should get card within 7-10 business days
4/4: get email that the card was sent yesterday and should arrive within 7-10 business days, shows last four of the account number.

Has it taken this long for others to get their cards?

When you do a custom designed image card, not a stock design, they need time to use your photo and custom make your card after content review. I suspect this "personalized image" card delayed you at least a week.

It wasn't even my own photo...it was one of theirs!

They still have to "small batch" custom make the card which takes time. Last time I looked Capital One had 2 or 3 default stock designs and over 100 "custom image" designs. Just think if the card making operation is making 2,000 cards a day matching names and account numbers, 84 of those are custom designs that use one of 100 special designs. I know it's all computer generated, but still a custom image card is not as "mass produced" as the stock design cards and it takes a bit extra time.

I have one of their cards with a custom photo, one I took, but I waited until after they issued me the standard card to order the custom design off the web site, that way I have full usage of the card until my "vanity card" shows up.

Re: Finally, Capital One

injustifiiable — Wed, 04 Apr 2012 15:21:01 GMT

It arrived today! I'm now on the "Road to Credit" as they say...lol.

Into the sock drawer you go...

Re: Finally, Capital One

Smug — Wed, 04 Apr 2012 16:00:38 GMT

Congrats

Re: Finally, Capital One

LS2982 — Wed, 04 Apr 2012 16:18:07 GMT

@Injust Yes, Cap1 is initially slow on getting you your secured card.

Re: Finally, Capital One

Anonymous — Wed, 04 Apr 2012 16:48:19 GMT

happy dance

Re: Finally, Capital One

Anonymous — Wed, 04 Apr 2012 16:57:28 GMT

I had great success with mine.

If you add to your deposit, it will take 2 weeks or so before the CL is increased.

Re: Finally, Capital One

CreditCardDiva — Thu, 05 Apr 2012 02:11:10 GMT

@injustifiiable wrote:
3/13: apply for Capital One Secured Card and Approved
3/14: submit $49 deposit
3/15: deposit leaves bank account
3/28: get email that says the image I chose was approved, should get card within 7-10 business days
4/4: get email that the card was sent yesterday and should arrive within 7-10 business days, shows last four of the account number.

Has it taken this long for others to get their cards?

Yes, it takes a while to get the card. It was the last of my three new cards to arrive. Orchard Bank was the quickest.

Re: Finally, Capital One

webhopper — Thu, 05 Apr 2012 03:12:52 GMT

Congrats on starting your journey!

Re: Finally, Capital One

Anonymous — Thu, 12 Apr 2012 18:26:21 GMT

Congrats on the Cap One Card!!

I was pretty happy to get mine, too.

It took a couple weeks to get here... seemed like forever!

Just remember to account for a 5 to 10 day delay on the payments being posted to your balance and applying it back to your available credit. Same with additional deposits to the credit line (more like 10 days on that one)

Re: Finally, Capital One

Anonymous — Thu, 12 Apr 2012 22:35:47 GMT

Congrats