Capital One (Classic Card)

jamesh

Hi,

I applied to Capital One a while ago and amazingly they have sent an aproval letter with the terms and conditions to sign.

Letter arrived on the 21st, returned the same day.

10 working days is up today,

I'm a bit unsure about calling them as they had declined many applications in the past, and if this aproval is a mistake don't want to risk it.

Does anyone know how quickly capital one are currently taking? or if you get a reply quicker if they need a deposit.

James

jamesh

I crumbled and called them.

Another agreement was sent on the 3rd May,

Strange as I saw the postman empty the box 10 mins after I put the letter in, must have gone missing.

Str4berr3

well, this been been about three week now for me. around two weeks ago i decided to ring them up but all i get is automated services and the voice said that the card will arrived upto 21/28 days now. dont know what is going on....
perhaps someone who has successfully spoken to a 'person' can give me a number please?

YorkshireBoy

Str4berr3 wrote:

...perhaps someone who has successfully spoken to a 'person' can give me a number please?

0800 952 5252 until 9pm weekdays - spoken to them tonight. Have to go through a couple of levels of menu but can't remember the buttons I pressed - sorry. Could also try 0800 952 5150 - spoke to someone on this number earlier today but think this one is just "office hours".

HTH
YB

Mr_Softy_Top

I wouldn't worry too much about it. I have just been upgraded from Classic to Premier and they said it would take 14-21 days to send out my new card.

Karma67

Mr_Softy_Top wrote:

I wouldn't worry too much about it. I have just been upgraded from Classic to Premier and they said it would take 14-21 days to send out my new card.

May I ask........how long did you have your classic card before they upgraded you?

Cheers

I used 08009525252 for Capital One...
With reference to talking to a 'real' person, i went thru the automated menu. clicked 'already received letter of confirmation', got the 21/28 days msg, then continued to hold, and was put through to an assistant....so 'don't hang up' after the message!!
HTH

My card didn't take that long fortunately....they received T&C back 'officially' on the Monday and I had card on the Friday but then my application seemed quite straight forward...no need to prove id or address, or a security deposit...much to my amazement! lol

Good luck!

jamesh

The person I spoke to was really nice and helpfull.

Sounds like they are busy at the moment, They must have dropped the bar a bit as the aproved me, (I've tried a few times with cap one)

I'm thinking my agreement has arrived but sitting at the bottom of a post sack.

THE_ROCK84

Karma67 wrote:

May I ask........how long did you have your classic card before they upgraded you?

I had my a classic account with them from OCT 2002 (£200 credit limit), i made all the minimun payments (except once) and hardly went over the limit.

Ask them for a limit increase in DEC 2004 to £500... was declined.

Then in April 2005 they wrote me a letter saying that i can have their 'Premier Card' with a £600 credit limit

Funny people at Capital One :rotfl:

Fedz

Hi

It took Capital One 2 months to get my card to me from applying :rolleyes:

My mate applied 2 weeks before me and it took equal amount for his card to 'arrive' but it didn't, so he called to advise them, they sent another, this didn't arrive and now they say they've sent another ... still ongoing.

Funny thing is the PIN's arrive and other post from them but the cards never do (to-date).

Kind regards

jamesh

Called them again today after the replacement agreement they sent never arrived.

Now they are saying they have recived the old agreement and they will decided in a day or so if they want a deposit.

boogiemaster

It took me two weeks to get my classic visa after sending back the contract.
I applied to capital over a year ago and was refused and then about three weeks later applied and got accepted.
They didn’t ask me for a deposit or proof of address and was given a £200 limit.
Capital one gave me the chance to build up my credit rating and be able to get approved for better cards in the future.
I’m going to keep my Classic visa and hopefully receive a better card from them soon.
My classic visa is my girlfriend and she doesn’t moan when I spend my money on me :-)