| Credit Card Offer FAQ |
| 1.
| How can I apply for a credit card? |
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There are three easy ways to apply for a Capital One credit card:
- Find the credit card that's right for you and then apply online.
- If you received an offer from us in the mail, use the Reservation Number and Access Code on your offer letter and use this online credit card application to apply for your Capital One credit card.
- Call 1-877-277-5901 – a representative will help you select and apply for the credit card that best meets your needs.
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| 2.
| How can I check the status of my application? |
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Call 1-877-277-5901 and select option 3 to check the status of your application.
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| 3.
| Why do you keep sending me offers even though I’ve already responded to one? |
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It usually takes four to six weeks to process an application. Upon approval, your name will be removed from our mailing lists. If you receive an offer during this processing period, simply disregard it.
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| 4.
| Can I apply for any of the products and services offered by Capital One in the U.S. or U.K.? |
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No. Capital One offers different products and services that are available exclusively in different markets.
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| 5.
| How did you get my name? |
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We obtained your name from lists that we purchase and maintain at Capital One. We take every precaution to keep these lists accurate and up-to-date.
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| 6.
| I have already been declined by you. Why are you sending me another credit card offer? |
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At Capital One, our goal is to provide credit solutions for many kinds of situations. That’s why you should open any mail you receive from us, even if you’ve previously been declined. Another offer may be a better fit for your credit situation.
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| 7.
| How do you decide the terms on a new account? |
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The terms of your account are determined by the initial offer, and where appropriate, your application information and credit history.
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| 8.
| What is a variable rate? |
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Unlike a fixed interest rate, a variable interest rate may vary from month to month based on changes to a published index. At Capital One, we base our variable rates on the Canadian Prime Rate, as published in the Report on Business section of Globe and Mail on the 25th day of each month. If the 25th falls on a weekend or holiday, the previous business day's information is used to determine the rate information.
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| 9.
| The credit card offer is in my spouse’s name. Can it be a joint account? |
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No, but once the account is approved, your spouse can add you as an authorized user. Authorized users receive their own card, sharing the available credit limit with the primary cardholder. The account will not be recorded on the authorized user's credit bureau. There is no fee to add an authorized user.
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| 10.
| The credit card offer is in someone else’s name. Can I change it? |
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No, the application is meant for the person it was addressed to and is non-transferable.
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| 11.
| How do I get my name taken off your marketing list? |
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We send offers that we feel may be valuable to you as a
consumer. However, if you would like us to remove your name from our list,
simply go to our privacy
page.
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| 12.
| How do I get my name added to your marketing list?
|
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It's easy. Simply go to our privacy
page
and fill out the form to get on our marketing list for the latest products and
promotions. |
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| 13.
| How can I apply for a credit card again? |
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You are required to wait at least 65 days after applying for a Capital One product before applying again. After the 65 day period has elapsed, you can visit us at www.capitalone.ca and apply online. We may also send you offers that we feel may be valuable to you as a consumer. |
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| 14.
| What are the Anti-Money Laundering (AML) regulations and how do they affect my application? |
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To learn more about the Anti-Money Laundering (AML) regulations, click here.
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| 15.
| How do I prevent Capital One e-mail from being identified as Spam? |
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Learn how to prevent Capital One e-mail from being identified as Spam in your e-mail program by reading our e-mail instruction page.
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