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Capital one happen to anyone else??? Help!

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Anonymous
Not applicable

Capital one happen to anyone else??? Help!

I've recently applied for this online, got a response saying to wait 7-10 days for a response. I called and asked a status on it and they said they sent out a letter requesting my SSN and drivers license to verify identity to make a final decision  which I faxed and they received. I then called back a few days ago & they said they received it and I'd be notified by mail of a final decision. Is this any sign of approval, being they didn't deny me online or on the phone? Credit karma vantagescore is 676. I also currently have a capital one platinum secured card $300 limit never been late on A payment.

Message 1 of 17
16 REPLIES 16
gdale6
Moderator Emeritus

Re: Capital one happen to anyone else??? Help!


@Anonymous wrote:

I've recently applied for this online, got a response saying to wait 7-10 days for a response. I called and asked a status on it and they said they sent out a letter requesting my SSN and drivers license to verify identity to make a final decision  which I faxed and they received. I then called back a few days ago & they said they received it and I'd be notified by mail of a final decision. Is this any sign of approval, being they didn't deny me online or on the phone? Credit karma vantagescore is 676. I also currently have a capital one platinum secured card $300 limit never been late on A payment.


Could go either way but to request those docs when you already have an account with them is strange.... Good luck on getting the card.

Message 2 of 17
SunriseEarth
Moderator Emeritus

Re: Capital one happen to anyone else??? Help!


@gdale6 wrote:

@Anonymous wrote:

I've recently applied for this online, got a response saying to wait 7-10 days for a response. I called and asked a status on it and they said they sent out a letter requesting my SSN and drivers license to verify identity to make a final decision  which I faxed and they received. I then called back a few days ago & they said they received it and I'd be notified by mail of a final decision. Is this any sign of approval, being they didn't deny me online or on the phone? Credit karma vantagescore is 676. I also currently have a capital one platinum secured card $300 limit never been late on A payment.


Could go either way but to request those docs when you already have an account with them is strange.... Good luck on getting the card.


It seems like they've been adding more jumps and hoops for their CC approvals.

 

OP, if you get denied, be sure to recon.  The UWs at Cap One seem reasonable, so long as you can get to them. 



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Belk MC $10000 | Wayfair MC $9500 |~~
Message 3 of 17
Anonymous
Not applicable

Re: Capital one happen to anyone else??? Help!

I thought it was sorta strange too, but that it was just something they do, I'm not sure if it's for identity purposes as it just says to "verify the information below" and that information is my SSN and mailing address I really hope to get it and forgive me, I'm new to the forum what's UW's?
Message 4 of 17
SunriseEarth
Moderator Emeritus

Re: Capital one happen to anyone else??? Help!


@Anonymous wrote:
I thought it was sorta strange too, but that it was just something they do, I'm not sure if it's for identity purposes as it just says to "verify the information below" and that information is my SSN and mailing address I really hope to get it and forgive me, I'm new to the forum what's UW's?

UW = Underwriters/underwritng



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Belk MC $10000 | Wayfair MC $9500 |~~
Message 5 of 17
Anonymous
Not applicable

Re: Capital one happen to anyone else??? Help!

Oh ok gotcha, I guess I'll have to wait for it to come in the mail, they said they'd send my decision in the mail 7-10 days from when they received my documents which was the 27th I think. Did anyone else go throughe this with them?

Message 6 of 17
cappaccinodagreat
Valued Member

Re: Capital one happen to anyone else??? Help!

I got a similar respopnse online when I requested a credit line increase. Can you send me the  Recon phone number info?

Message 7 of 17
bigblue7722
Valued Contributor

Re: Capital one happen to anyone else??? Help!

Email their ceo just Google capital one ceo email it will come up his name is Richard lol. Anyways Richard won't call you back but someone from the executive office will. I have emailed them a couple times first time I got denied my qs card and the second time a week ago to get the af removed for good which they were also able to do
AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 8 of 17
Anonymous
Not applicable

Re: Capital one happen to anyone else??? Help!

So I got another letter today saying they couldn't approve because application was incomplete or couldn't be verified so I called them & the rep said my address wasn't clear enough for them to read or it was too dark. So now I gotta re send my info so it looks more clear for them to see, even though they keep mailing me these letters etc but I guess we'll see what the outcome is!
Message 9 of 17
Anonymous
Not applicable

Re: Capital one happen to anyone else??? Help!

So I got another letter today saying they couldn't approve because application was incomplete or couldn't be verified so I called them & the rep said my address wasn't clear enough for them to read or it was too dark. So now I gotta re send my info so it looks more clear for them to see, even though they keep mailing me these letters etc but I guess we'll see what the outcome is!

 

actually he first tried to blame it on not being able to read the SSN but said it wasnt that, that it was the address. hopefully I get approved!

Message 10 of 17
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