Application and account information

What information will Capital One® require when I try to apply for the credit card?

You will have to furnish your personal information when you apply for the credit card. You need to provide:

1.Your full name

2.Your social security number

3. Your Date of birth
4. Your physical address including the P.O boxes number
5. Your gross annual income as estimated
6. Information of your savings or checking account

Is it possible to add an authorized user of my acquaintance to the card?

Absolutely. Once you sign in, you can add a user on your own. Alternatively, you can give a call to the number that is written on the back of the credit card. One more thing you need to remember that in order to add any user, you will have to be the primary as well as the secondary cardholder. You have to be the power of attorney. Otherwise, you have to become the manager of a small business account.

You need to remember that you can add a user only when you are approved. You cannot do so when the application process is going on. Although there is no option of co-applicants this moment, you can add any authorized us when your account has been approved.’

How to find out the status of a credit card application?

When you apply from a phone through online mode, you may get a response within 60 seconds. In some special cases, we also require to collect some additional information for making the decision.

You can also check the status by calling 1-800-903-9177 anytime. You will be notified of our verdict within seven to ten days after making the application.

When can I get my credit card?

When your application gets the approval, you can get the Capital One credit card. Not only the card but also the credit limit information as well as the welcome materials will be sent to you by mail. Once you are approved, you will get these delivered within seven to ten business days.

But in case you have applied for Mastercard, your card will be shipped after you clear the dues by paying the deposit in full. Once you make the payment, you will receive your card within seven to ten business days.

How my payments are applied?

Generally, we apply the payments up to the minimum payment to the balance that has the lowest APR. After that, the payments are applied to balances having the highest APRs. Any part of your payment that exceeds the minimum payment is to the balance having the highest APR and after that to that of lower APR.

What to do in case my request has been declined and my secure letter can’t be accessed online?

It might occur that you are declined while applying for a credit card with Getmyoffer.capitalone.com. You will be notified online. However, we would like to let you know why you have been declined. In case you fail to access your secure letter that contains further details, you are requested to give us a call at 1-800-903-9177. You will have to make a request to mail the paper copy to you.