Cap One Quicksilver Application...

[Andy77]

I applied yesterday for the Quicksilver...got the 7-10 day message.  I called today to see if they needed to verify anything and they said everything was a-ok, but its

"still processing"

Does this mean a decline  ?

They did approve me for the Venture card in June with 20k limit, I have been using the card since then...about 2k a month and PIF before statement cuts...just FYI

[Anonymous]

My guess is that you are approved.  However, since they do 3 HPs, they have to justify them pretending they have a lot of manual reviewing to do....

[Andy77]

So I called back today to see if they needed any addl info, since my Accountant is going out of town tomorrow for 3 months and he sends me statements via snail mail and I wanted to request them from him today is Cap One needed any financial info and they said they don't need any info now and I was told it would take another 5 days...

I will just assume I am declined...

I asked the rep on the phone, if it were declined, could you tell me over the the phone and he said, yes.

Has anyone else had to wait this long, then to get an approval?

[coldnmn]

If they could tell you if you were denied (maybe) then I think your in and they have to decide upstairs how much the CL will be. In my opinion.

edit: I'm sure with your current limit it has to be decided in upper management the CL.

[Anonymous]

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@coldnmn wrote:

If they could tell you if you were denied (maybe) then I think your in and they have to decide upstairs how much the CL will be. In my opinion.

edit: I'm sure with your current limit it has to be decided in upper management the CL.

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Seems to me like CapitalOne is more of a computer reliant bank like GE/Synch.

[black_citi]

I got a similar message from Barclay's. I apped yesturday for their rewards mastercard (then I find out today their apple card is easier to get :/) and they hit me with the 10 day. I might call the BD number to see if theres anything they need or explained. I wonder if I can still get that apple card.

[Kenny]

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@Andy77 wrote:

I applied yesterday for the Quicksilver...got the 7-10 day message.  I called today to see if they needed to verify anything and they said everything was a-ok, but its

"still processing"

Does this mean a decline  ?

They did approve me for the Venture card in June with 20k limit, I have been using the card since then...about 2k a month and PIF before statement cuts...just FYI

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No, it doesn't. I've received a flat denial from Cap1 before.. and it goes like this.. I'm sorry we can't approve you for this card. I was like HUH!!!?!!?! lol 

They're just trying to figure out how big of a line they are going to give you... lol

[Andy77]

Ok...thanks for the reply...

this is what the automated system says...after applying on 10/15/14... still says...

"we have recieved your application and are still processing it, we'll "send more information to your mailing address within the next 10 days"

I have a feeling that means declined ....

[Andy77]

One other thing...

When I pulled my actual "Fico", not their score, with Equifax  yesterday, it said it was 692...does anyone know what EQ Fico Cap One uses ?

[Andy77]

After my facebook postings...EO called my back...my Quicksilver account was approved, but they don't have a CL yet.

Since its a visa sig and they already gave me an account with a 20k limit, I hope this limit is 10k

I will let you all know when I know what it is.