You can use your Capital One credit card before it arrives, but only if you already have another Capital One credit card and download the free Capital One mobile app.
There’s no way to use your Capital One credit card before it arrives if it’s your only Capital One card. The only exception is the Capital One Walmart Rewards® Mastercard®; you can this card instantly, whether you already are a Capital One cardholder or not. For all of the rest Capital One credit cards, you will have to wait the 7-10 business days it takes to receive your card by mail. Capital One does not offer expedited delivery for new credit cards.
But for your second Capital One card, it’s fairly simple to use the mobile app to find your information.
Here’s how to use a Capital One credit card before it arrives:
It takes about 14 calendar days for a new Capital One credit card to arrive. And it takes 4-6 business days to get a replacement card, unless you pay $16 for delivery in 2-3 business days. There are no options to get new cards faster. But it won’t always take 14 days for a new card to reach you, depending on how far it has to travel. That’s just the timeframe Capital One quotes people. … read full answer
As far as the approval timeline goes, you could be instantly approved for a Capital One credit card if you apply online. On the other hand, Capital One may need longer to verify your information and decide whether you’re creditworthy enough for the card. If you don’t get a decision right away, you can usually expect to hear back within 7-10 business days. That means you should get your Capital One credit card 14-24 [business] days after submitting an application, assuming you’re approved.
Here’s how long it takes for a Capital One credit card to arrive:
New cards take up to 14 calendar days to arrive, following account approval. You can’t pay to speed this up.
Replacement cards take 4-6 business days to arrive. You can cut that timeframe in half by paying $16.
It can take 7-10 business days to get approved for a Capital One credit card, if you’re not approved instantly when you apply.
You can expect to have your Capital One credit card in hand anywhere from 2 weeks to a month after you apply.
You can use your Capital One credit card before it arrives if you download the Capital One app. The app shows you all your card details.
To check your Capital One credit card application status, simply call (800) 903-9177. Press “3” when you hear the menu, then say “application status.” You will be asked to enter your phone number so Capital One can find your records. You may also be required to enter your Social Security number to confirm your identity. Once you do so, you will receive a status update.… read full answer
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