How to Check Your Capital One® Application Status + 12 Denial Options

How to Check Your Capital One® Application Status + 12 Denial Options

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: April 24, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

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.

Over the Phone | Online | Denial Alternatives

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.

Screenshot of Pending Credit Card Application Message

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:

1-800-903-9177

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.

Good Credit (700+) | Fair Credit (650-699) | Bad Credit (< 650) | No/Limited Credit

Alternatives for Good Credit (FICO Score 700+)

With a FICO score of 700 or above, you’re considered to have “good” credit by most credit card issuers, and it’s unlikely that your score was the reason for being denied a Capital One card. More likely, your credit history is not long enough, or you have already applied for a Capital One too many times in too short a time period. Either way, you’ll probably have better luck by trying for a different card from another issuer.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good

+See More Cards for Good Credit

Alternatives for Fair Credit (FICO Score 650 – 699)

If your FICO credit score falls between 650 and 699, your credit is generally considered to be “fair” or “average.” Depending on which Capital One card you applied for, your credit score may have been the reason you were denied, as many of Capital One’s credit cards require good to excellent credit to qualify. When you have fair credit, your best option is likely to apply for a card aimed at those building — or rebuilding — their credit scores.

FAIR CREDIT RATING
★★★★★
4.9
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Unsecured Visa® for Rebuilding Credit Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Fair

+See More Cards for Fair Credit

Alternatives for Bad Credit (<650)

The lower your credit score, the greater the credit risk you represent. When your FICO score falls below 650, you represent a bad credit risk for many prime credit cards — including most unsecured Capital One cards. To improve your chances of being approved, try applying for a credit card specifically designed for those whose credit is less-than-perfect, like our top-rated picks below.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Fast, easy online application process and a quick decision
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuer Website
$0
Poor Credit
BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
Credit One Bank® Visa® with Free Credit Score Tracking Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll notify you as soon as you're eligible for a higher credit line. A fee may apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.15% - 25.24% Variable
$0 - $99
Bad Credit

+See More Cards for Bad Credit

Alternatives for No or Limited Credit

Anyone who has tried to start a new career is probably familiar with the common Catch-22 of, “you need experience to get a job, and a job to get experience.” A similar truth exists in finance: you need credit to get credit. To starting building your credit history, you need to establish some kind of credit — and to qualify for most types of credit, you need to have an established credit history. Luckily, issuers are not unsympathetic to the plight of the creditless; a number of options exist for those who are just starting on their credit journey.

NO/LIMITED CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
Discover it® chrome for Students Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair
Discover it® for Students Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair

+See More Cards for Limited Credit

Choose the Right Card for You

From blackout-free travel to super-modern bistro-banks, there are many great reasons to apply for a Capital One credit card. While it can be nerve-wracking to see the message that your application needs further review, a pending application is better than an instant denial.

Many people have reported being approved after calling their issuer to provide missing information or otherwise clarify or verify application data. If you do end up being denied for the Capital One card you were after, changing issuers might be all you need to successfully qualify for a great card. Whichever route you take, always compare your credit options to ensure you get the best terms and options that fit your personal spending habits.