Capital One

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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?
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  • hadahardyear
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    yes id say so. I have 2 capital one cards and they both had me sign the agreements when i applied x
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  • colin13
    colin13 Posts: 1,007 Forumite
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    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
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    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.
    Can I find out my credit score?
    You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)
  • thegoodman
    thegoodman Posts: 1,235 Forumite
    First Anniversary Combo Breaker
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    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
    Gromitt Posts: 5,063 Forumite
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    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
    sassy_one Posts: 2,685 Forumite
    First Anniversary Name Dropper First Post
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    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
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    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
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    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
    Can I find out my credit score?
    You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)
  • Reesy1981
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    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
    dave030445 Posts: 1,001 Forumite
    First Anniversary First Post Combo Breaker
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    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.
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