Capital One Application

Karl.H_2

To update, I received my Credit Agreement yesterday and posted it at 5.30 p.m.

The letter was dated 17th Aug 2007. Came 21st Aug 2008 (4 days).

The card *should* arrive within 7–10 days.

Gillianh2

Hi Karl,

Has your card arrived???? Sorry just curious. Thanks for the advice to apply for an aqua card, I am holding off applying for anything else at the moment (just opened a basic halifax account) dont want to mess up my credit file with any more searches at the moment.

finnis

For info, I posted off my signed application on a Saturday morning and have received my card today (11 days later). Whole thing, from online application to receiving docs to sign to receiving card took 14 (maybe 15?) days.

Was the 4% cashback card.

headroom

I applied for a capital one card balance transfer (under £1400) they turned me down, advised me to get a credit score check, .......did I have an "excellent" credit rating according to experian I sent an appeal off 16 days ago..........no reply!..........thoughts and ideas please

UK007BullDog

Also get an equifax report to check your credit score.

headroom

UK007BullDog wrote: »

Also get an equifax report to check your credit score.

I got my credit score when I paid experian, their conclusion was my credit rating being "excellent" and a "low risk borrower" . . . . perhaps too low risk?

mrcol

I have just been turned down too.
Equifax rate me as "excellent" so i dont know why i have been declined.
I have held capital 1 cards in the past to shift balances at 0% and then closed them when the 0% finishes. I have also for the last few years paid my cards in full every month. I will not make capital 1 much money so may be thats the reason.
I will wait a month or two and get something else.

cattie1

capital one were useless with me! I got my terms and conditions really fast and they said the card would be sent out within 14 days-14 days later I got my pin number-2 WEEKS AFTER this I still had not received the card-so I rang them- they cancelled it and said the would send a new one out, a week later I got my card and pin on 2 consequetive days-
I went to do some shopping and was very embarrased when my card was declined-when I rang cust services again-they explained that the card that had come was the one they had cancelled! another week after that I got the new one!:rolleyes:

Karl.H_2

Okay, I have just received my card today!
Came with lots of information.
I had to ring and activate; I was very impressed with the customer service.
I am, however, waiting for my PIN.
Thanks for all your replies.