Cap One Error Message

always41319 · ‎01-19-2020

Has anyone had this happen for them? Saturday morning, I did a pre-qual for Cap 1 and it came back with two or three options--one of which being the SavorOne, which is the one I was after. I clicked through to the application and filled out the missing info and submitted. Seemed like everything was okay and it was processing and then all of a sudden I got this error message.

I'm not sure if I should call or if I should just reapply since it's clear it didn't go through and none of my monitoring services gave me an inquiry alert. I also don't want to risk both applications going through, getting 6 HPs and 2 accounts LOL. I'm really wanything this card for the 0% intro, SUB and 3% on dining, so either option is worth it for me, but avoiding a phone call is always my ideal solution. Hoping this has happened to others and I can hear how it turned out.

Paypal MC - $7,200 (12/13) | TJX MC - $10,000 (5/14) | Torrid - $3,000 (7/14) | Discover IT - $11,000 (11/14) | AMEX BCE - $5,000 (11/14) | Victoria's Secret - $2,850 (6/15) | Barclays Rewards MC - $10,800 (7/15) | AMEX ED - $7,500 (9/15) | Chase Freedom - $3,500 (6/16) | Maurices - $1,000 (6/16) | Citi Double Cash - $6,300 (7/16) | Ulta Rewards MC - $2,250 (7/16) | Chase Freedom Unlimited - $4,000 (4/17) | David's Bridal - $3,500 (11/19) | Capital One SavorOne - $8,000 (1/20)
CU Auto Loan - $10,684 - 60 Months @ 2.14%
Federal Student Loan - $28,218/$32,000 - Payoff Date: 12/2023

silver_idle · ‎01-19-2020

It could just be an error and nothing is processed but if you want to be completely sure, you can put a security freeze on all 3 CRA for about 24 hours. Im 98% sure that they havent processed the application though.

Ficoproblems247 · ‎01-19-2020

No sense in risking something going awry with an app when a simple phone call to a friendly CS rep may resolve your issue in a matter of minutes. It could even result in you finding out the status via an automated system. In my experience, the couple of times I've had to call in to CapitalOne they've been quite helpful. Whatever you decide, good luck with your SavorOne card!

Capital One VentureOne | May '15 | $5,500

FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800

SoCalifornia · ‎01-19-2020

Echo this. Basically the best course of action is get CapOne on the horn and have them clear it up and push it through. Drop us an update 🤞🏽👍🏽

mikesonthemend · ‎01-19-2020

Agree. Cap1 has fairly decent customer service.

Living through Darwinism is so much worse than learning about about it in school.

always41319 · ‎01-20-2020

Thanks everyone! I did go ahead and call and the rep was able to tell me that they didn't receive the application. He offered to redo it over the phone but I wasn't comfortable giving all my info like that so I opted to reapply online. APPROVED for $8,000!

I just bought a house and am planning a wedding so the 0% intro and the SUB will really help me get everything done I need to!

Paypal MC - $7,200 (12/13) | TJX MC - $10,000 (5/14) | Torrid - $3,000 (7/14) | Discover IT - $11,000 (11/14) | AMEX BCE - $5,000 (11/14) | Victoria's Secret - $2,850 (6/15) | Barclays Rewards MC - $10,800 (7/15) | AMEX ED - $7,500 (9/15) | Chase Freedom - $3,500 (6/16) | Maurices - $1,000 (6/16) | Citi Double Cash - $6,300 (7/16) | Ulta Rewards MC - $2,250 (7/16) | Chase Freedom Unlimited - $4,000 (4/17) | David's Bridal - $3,500 (11/19) | Capital One SavorOne - $8,000 (1/20)
CU Auto Loan - $10,684 - 60 Months @ 2.14%
Federal Student Loan - $28,218/$32,000 - Payoff Date: 12/2023

Ficoproblems247 · ‎01-20-2020

That’s awesome, CONGRATULATIONS! I’m glad it all worked out for you!

FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800

AllZero · ‎01-20-2020

Congratulations on your approval!

Meanmchine · ‎01-20-2020

Call them and ask them

Good luck !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching

M_Smart007 · ‎01-21-2020

@always41319 wrote:
Thanks everyone! I did go ahead and call and the rep was able to tell me that they didn't receive the application. He offered to redo it over the phone but I wasn't comfortable giving all my info like that so I opted to reapply online. APPROVED for $8,000!
I just bought a house and am planning a wedding so the 0% intro and the SUB will really help me get everything done I need to!

Congratulations!