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Capital One Credit Card

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Hi,
I have applied for a Capital One Credit Card as my Credit is, well less than perfect (Needs Improvement as they say), there is supposed to be a 1 minute instant response time, but I just got an application reference number and a message to say my application would need to be reviewed as further checks would be required and I might have to return some documents !, but they will let me know within 7 working days.

Does that mean I am still in with a chance or have no chance !, in addition I only plan on using this to clear it every month to build up a good history so the High APR is not really that important.

Comments

  • sscott5581
    sscott5581 Posts: 663 Forumite
    Part of the Furniture 500 Posts
    Hows did you get on with your application, I also applied for this card and got the same message.
  • pokemon151
    pokemon151 Posts: 58 Forumite
    Part of the Furniture Combo Breaker
    My experience form Capital One was they will phone you during working hours and go through a few details.
    Thats what they did before I received mine a few years ago.
    Remember the interest rate is high and always pay them more than the minimum.
    EG for every £90 paid +-£20.00 goes onto your card. The rest is interest.
    I've reduced my balance to only £200.00 incase of an emergency
    All come to he who waits!:wink:

    £14997.00 still to go by December 2008
    Now £14325.00 17/04/08
  • jimbo26
    jimbo26 Posts: 954 Forumite
    Part of the Furniture 500 Posts Name Dropper
    I have had the same with two credit card applications. both times I've been successful.
  • I have a very poor credit score and I am not working as I am a full time carer, hence the bad credit. I got one and I am on benefits.
    Time is more valuable than money. You can get more money but you can't get more time
This discussion has been closed.
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