Capital One

Reesy1981

I just applied online for a cap one card, and when it did tge checks it then asked me to sign the agreement, so does this mean i have passed?

hadahardyear

yes id say so. I have 2 capital one cards and they both had me sign the agreements when i applied x

colin13

I initally got refused online by Capital one,but a week later a pin number and card came through the door,it deffo looks as if u have been accepted

Saints2011

It would of actually said if you were accepted.

Just because you've signed a credit agreement this does not mean your application has passed.

thegoodman

It does. If you have signed a credit agreement you will get the card unless you have inserted wrong income, home owner when not, wrong work address etc. if all your info is correct than no problem.
Once the application is approved it still go through some manual checks depending on the credit history.

Gromitt

Yes you have passed the automated online process, but you may still be rejected. Sometimes even after you have received the card, but no where near as often as Barclaycard do it.

sassy_one

thegoodman wrote: »

It does. If you have signed a credit agreement you will get the card unless you have inserted wrong income, home owner when not, wrong work address etc. if all your info is correct than no problem.
Once the application is approved it still go through some manual checks depending on the credit history.

Sorry, I disagree.

I had an agreement posted to me, I signed and returned it and when I called this week I was advised after review my application was declined, although I have no missed payments, defaults or CCJ's and I am a homeowner owned outright!
I think after much reading it's because I went for a credit rebuild card when my credit doesn't have a problem.


But to confirm, they can still refuse, you get so close but it's so far

Tremour-88

The credit agreement thing you sign online is just to save them time IF you are accepted, everyone gets asked to sign it but alot of people still get turned down.

My MIL signed it and got instant rejection

Saints2011

Tremour-88 wrote: »

The credit agreement thing you sign online is just to save them time IF you are accepted, everyone gets asked to sign it but alot of people still get turned down.

My MIL signed it and got instant rejection

Thank you. I knew I wasn't wrong on this one

Reesy1981

thanks for the reply. the reason i asked is because in the past, i have received the three green ticks and then the next step was the 7 - 10 working days script, but this time it was three green ticks and then credit agreement.

dave030445

I wish people would only comment if they know the answer. On this tread there are 4 people saying yes and 3 people saying know what help is that to the op cause maybe over 50% of people have got it wrong not very helpfull.