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Capital One Classic Card? Application help

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Hi there I recently applied for a capital one credit card the other day (not great APR I know but when you are 19 and trying to start building a credit file its kinda all that's available) anyways I did the online application and although I wasnt approved I wasn't denied. A few days later I received a letter asking me to set up a direct debit with them which I did but the lady over the phone wasn't very informative to say if I had been fully accepted or not. All she said was that id recieve another letter in a few days. Has anyone else had this before with them and how long it took for the card to arrive/find out if the application was accepted?

Comments

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If you weren't accepted, there would be no point in setting up a DD. However, it's the first time I hear about a CC company asking to set up a DD. Normally it's your choice how to pay, and DD is just one of many possible ways.
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    I agree with grumbler. It would be a waste of time for them to do this if you were not going to be accepted. I suspect possibly your application was borderline and perhaps the extra security of your agreeing to pay by direct debit or at least the confirmation that you had a bank account to set the direct debit up on may have helped.
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