Imagine credit cards that are simple to use, rewards that are trouble-free to redeem & miles that are easy to love. Capital One has all this & more. You will get travel cards; cashback cards and goods for the customer just starting out, all backed by one of the nation’s leading banks.
The credit card application procedure is simple enough — after all, banks want customers to apply for their cards. But it still helps to recognize what you’re doing, as you can choose a card that you qualify for and glide through the application process as fast as possible.
The top Capital One credit card is the Capital One Venture Rewards Credit Card. This card presents a heavy sign-up bonus of 50,000 miles for spending $3,000 in the first 3 months which is $500 when redeemed for the journey. You’ll also get 2X miles on all qualifying buy. Capital One offers easy redemption options as you can redeem your miles with all airlines or hotels.
Steps To apply for a Capital One credit card
Once you’ve selected a Capital One card, it’s merely a couple of steps to apply.
1. You need to visit the Capital One card website and choose the option credit cards & click “Apply Now.”
2. Enter the necessary information.
You must have the following information accessible to complete the application.
Own information: Full name, Social Security number Date of birth,
Contact Details: housing address (PO boxes aren’t allowed for credit card request, but you can change your mailing address to a PO Box if you’re approved), phone number, email address,
Financial information: Employment status, yearly income, monthly house payment (rent or mortgage), the kinds of bank accounts you have, monthly credit card expenses
3. Complete and Send your application & wait for the results.
Preferably, you’ll get an answer immediately — or at least, within the minute or so that it gets for Capital One to process your information. The results could, but, take longer than that.
What happens after you submit your application?
There are three possible responses you’ll acquire after submitting your Capital One credit card application:
- immediate approval
- Instant denial
- Wait & Watch
If it’s an approval, then you’re fine to go. You’ll get your card in the mail, & there’s nothing more you must do on your end until you acquire it.
With a denial, I’d constantly suggest calling the Capital One reconsideration line. They can tell you why you were denied, & you can make your case for why they must reconsider your application. Capital One will also provide you a letter in the mail with the rejection reasons.
Lastly, there’s an application purgatory. When Capital One says it needs more time to review your application, you must receive a letter within seven to 10 business days on whether your request accepted or denied. But you can also call Capital One from the next day to check your applications. The advantage of doing that is if you were denied, you can try to get reconsideration instantly.