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If I recall correctly, with Cap One I think it's verification. Give them a call tomorrow and ask
That particular wording sounds like a denial to me, but if it is in review, there’s still a good shot at approval. Cap One always seems to give the pending message for this card.
Good luck!
When I applied for Capital One Savor, I received:
"we’re in the process of reviewing your application. This is a standard step in our application process and we’ll be in touch shortly with more information. "
I called in and it said 7-10 days. I called them up and after a few days of back and forth, they finally transferred me to verification/fraud and it went to approved. If your automated reply message is different, it could mean you're on a different path than my application.