Capital One Application Requirements

Many people think that it is really difficult to get approved for Capital One credit cards. However, the reality is that Capital One has a very strict approval process and they do validate and verify all the information that is provided within their credit card application.

Therefore, the best way to ensure that your Capital One credit card application is approved is by providing all the required application information correctly.

If you’re confused about what all information is required to apply for a Capital One credit card, then the below section covers all you need to know about it.

What All Information Are Required to Apply for Capital One Credit Card?

Below is the information that is asked for within the credit card application form by Capital One.

  • Personal information such as your legal first name, legal last name, date of birth, SSN/ITIN, and if you’re a citizen of the United States.
  • Contact information such as your residential address, ZIP code, city name, state name, email address, and primary phone number.
  • Financial information such as your employment status, the highest level of education, total annual income, existing monthly mortgage/rent, whether you have any other bank accounts, and if you’re intending to use the credit card for cash advances in case you’re approved (optional question, can be left blank).
  • You will be asked for proof of income, your bank statement, and other income proof.

What Happens if I’m Rejected for a Capital One Credit Card?

Once you submit the Capital One credit card application, it takes the team up to 10 business days to process and validate your application. No matter whether your credit card application is approved or rejected, the Capital One team will communicate the same to you via email.

They will also send you a secure letter that details why your credit card application was rejected. Thus, in case your credit card application was indeed rejected, then you can go through the secure letter that was sent to you to understand why your application was rejected.

So, the next time you apply for a Capital One credit card, you need to ensure that any condition(s) that led to your previous credit card application being rejected, is satisfied this time.

In case you haven’t received the secure letter via email, then you can reach out to the Capital One credit card team at 1-800-903-9177 to request to get the paper copy mailed to you.

Can I add an Authorized User to my Capital One Credit Card?

Yes, Capital One gives you the option to add an authorized user to your credit card.

To do the same, you can either log in to the official Capital One credit card portal online by clicking here, or you can also dial the number that is written on the back of your credit card to reach out to the Capital One team for your request.

It is important to remember that you can add an authorized user only after your Capital One credit card is approved. Moreover, you need to be the primary and secondary cardholder for the credit card to be able to add an authorized user.

If you’re using a business credit card, then you need to be registered as the manager of the business to be able to add an authorized user.

How to Find Out Capital One Credit Card Application Status?

In case you applied for the Capital One credit card either via phone or through the website, then most likely you will receive an initial update within a minute. However, in case additional verification is required, the status update may take some time.

In such scenarios, you can reach out to the Capital One credit card support team at 1-800-903-9177 to check about your credit card application.

When Will I Receive My Capital One Credit Card?

Once your Capital One credit card application is approved, it will take somewhere between 7-10 business days for you to receive the credit card.

Your credit card will be delivered to the postal address you provided during the application phase, and it will come along with a welcome kit that will have other details related to your credit card such as the approved credit limit, and the steps to follow to activate your new Capital One credit card.