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Capital One Card Accepted then refused!!
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Littlehoneybeedi
Posts: 3 Newbie
in Credit cards
Hi I'm new so bear with me & if I'm in the wrong place I apologise! I recently applied for a Capital One card & was accepted, I signed & returned the agreement & was told my card would be with me within 7 days, however 10 days later I received another letter informing me they could not issue me with a credit card on this occasion!! Is this fair & can they do this once an agreement has been signed?? What's going on?? Please advise.
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Hi & welcome to MSE!
I think there is something in the terms & conditions which means the company can change their minds at any time.
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
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One debt remaining. Home improvement loan.0 -
Vanquis did the same with me....after 4 months....01. Marriott Rewards VISA (£2700 @ 17.9%)
02. HSBC MasterCard (£2250 @ 14.9%)
03. HALIFAX One MasterCard (£2200 @ 12.9%)
04. Monument VISA (£1000 @ 19.9%)
05. Aqua MasterCard (£500 @ 29.9%)0 -
You really aren't accepted until the card is in your hands, cc companies keep on reviewing the applications with cra's and also fraud databases, and if something crops up, even after signing t+c's then they can decline the application:)Henry James Born 18/03/2011-11 days late!:)
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Yep, think I eventually found it (or something similar)! after going through the agreement with a fine tooth comb! Not very concise though. Thanks again.0
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I think its out of order, once you sign an agreement financially or otherwise it should be honoured! Oh well!! Thanks again.0
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instead of looking through t&cs, give them a call, and ask.
like you say the thing you found wasnt very concise, so see what they have to say about it...
that way if you know an exact reason it may give an insight to something possibly on your credit report etc0
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