Credit one application status
How to Check Your Capital One® Application Status + 12 Denial Options
By: Brittney Mayer Updated: 4/24/2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.
Advertiser Disclosure tap to close
One of the five largest card issuers in the world, Capital One is likely most recognizable by its longtime tagline, “What’s in your wallet?” Capital One has made its mark on the credit card rewards space with its blackout-free travel rewards program and is changing the way we bank with its Capital One Cafés. Indeed, whether you want to fly without limits or talk money over mochas, there are many reasons to join the millions of Capital One cardholders.
Whatever your motivation, when you apply for a Capital One credit card through the online application, your approval status will often be determined in 60 seconds or less. Whether you are approved or denied, the decision will be displayed right on the screen. However, sometimes the automated algorithms used to quickly analyze applicants can’t reach a decision. In these cases, your application is considered to be “pending” until it can be reviewed by hand.
Call the Application Status Phone Number: 1-800-903-9177
In the normal scheme of things, it usually takes around 7 to 10 days for your pending application to go through review and a decision to be mailed out, but it could be several weeks depending on the additional documentation needed. And yes, your decision will be mailed. You’ll need to check your mailbox for the results.
In some cases, issuers need to verify your information or collect additional data to come to a decision on a credit card application.
You can potentially speed up the decision timeline by cutting out the postal middleman and going straight to the source at Capital One. Applicants can get a status update at any time by calling the application status line at:
One of the most common reasons for having an application sent to “pending” limbo is the need for verification of some of the information on your application. This can be as simple as clearing up mismatched addresses due to a recent move, or may require sending in additional documentation to verify income or employment status. Those who apply for credit cards frequently may simply need to confirm the application is valid and not fraud.
When you call, be sure to have your application ID number or your Social Security number on hand to make it easier for the representative to find your application. You’ll also want to remember that the person on the other end of the line is a person — treat them as such. Being polite can often go a long way toward hastening the process.
You Can’t Check the Status of Your Application Online
Unfortunately, if you don’t want to wait for a snail-mail response, the phone number above is your only real option. While odd in today’s digital era, Capital One doesn’t actually offer an online option to check the continuing status of a pending application. Furthermore, Capital One doesn’t offer an online contact form or email address for checking your application status, either.
If Your Application is Denied, Try These Alternatives
No matter how you get the news, finding out your Capital One application was denied can be disappointing — and, sometimes, a shock. It isn’t always those with poor credit who are denied a Capital One credit card, either. If your credit history is good but not very long, you may be denied a Capital One card. Some applicants also report being denied for submitting more than three Capital One credit card applications within a 30-day period.
Whatever the case, your best bet may be to try getting credit from another issuer entirely, as each credit card issuer has its own standards for extending credit. If you are concerned about your approval chances and want to avoid a futile hard credit pull, check to see if you pre-qualify before applying. No matter what type of credit you have — or don’t have, for those just starting out — there is likely a credit card designed for you. See our top-rated cards below to start your search.