The Ultimate Guide to Credit Cards
Tuesday, July 14, 2020

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
Updated: May 19, 2020
Advertiser Disclosure

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?” For those who have recently applied for a Capital One credit card but did not receive an immediate decision, this article will bring you up to speed on how to check your Capital One application status.

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. In the following article, we’ll take a look at what you can do when you don’t receive an instant decision, including calling Captial One and visiting the issuer’s website. If you are denied, we’ll also provide a few potential alternative cards worth considering.

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.

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 unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% Variable
$0
Good/Excellent
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 14.99 - 23.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
14.99% - 23.74% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

+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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Fair
Credit One Bank® Visa® Credit Card with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.8/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% 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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good
NetSpend® Visa® Prepaid Card Review

at Netspend'ssecure website

BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
3.6/5.0
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card " for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Up-to $9.95 monthly
Not applicable

+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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good
Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Bad, Poor Credit

+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. Not to mention the company’s longstanding reputation among credit card issuers and the fact that it is one of the largest issuers in the world. 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.

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