Been accepted for a capital one credit card but haven’t heard anything since Watch

happybuns
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Report Thread starter 8 months ago
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Hi,

I’ve previously had iffy credit and been rejected for multiple offers on credit cards. I recently went on experian as my score was better on there than the other agencies and used their eligibility checker. I found capital one card at only something like 26.6 apr, specifically for bad credit. It said I had been pre approved so I applied. It told me I was accepted for a limit of £400 and gave a red number and said I would be sent online info in 3 days and my card within 9. However it’s been about 12 days and I’ve received nothing, not even online info. I also forgot to screenshot the reference number so I’m unclear how to track it. I’ve been reading horror stories on people applying, getting accepted then being rejected. I’m scared because I’m looking to buy a house next year and I need better credit. Anyone been through this at all?
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999tigger
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Report 8 months ago
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(Original post by happybuns)
Hi,

I’ve previously had iffy credit and been rejected for multiple offers on credit cards. I recently went on experian as my score was better on there than the other agencies and used their eligibility checker. I found capital one card at only something like 26.6 apr, specifically for bad credit. It said I had been pre approved so I applied. It told me I was accepted for a limit of £400 and gave a red number and said I would be sent online info in 3 days and my card within 9. However it’s been about 12 days and I’ve received nothing, not even online info. I also forgot to screenshot the reference number so I’m unclear how to track it. I’ve been reading horror stories on people applying, getting accepted then being rejected. I’m scared because I’m looking to buy a house next year and I need better credit. Anyone been through this at all?
Is there anything preventing you from picking up the phone and calling them? Only they can explain what is happening.

You deleted the acceptance message? If not they cna trace you through that.
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happybuns
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I didn’t have my red number, just wondered if anyone had been through something similar?
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martin7
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(Original post by happybuns)
I didn’t have my red number, just wondered if anyone had been through something similar?
As 999tigger suggested, just phone them up.

They should be able to identify your application without the number, it'll just be a bit more work for them.

You won't be the first person not to have made a record of the reference number; you won't be the last.

The risk is that someone might have intercepted stuff in the post. If that's the case, it needs dealing with sooner rather than later.
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