Here’s how to apply for the Capital One Journey card:
Online: To submit an online application, click on the “Apply Now” button. Usually, a decision is made instantly when you apply this way.
By phone: If you want to apply for the Capital One Journey card by phone, call customer service to speak to a representative.
At a Capital One branch: You can apply for Capital One Journey by visiting your local Capital One branch during normal business hours.
Most of the time, you’ll get a decision instantly. But it could take longer if the issuer needs to verify your information. However, no matter how you apply, Capital One generally notifies applicants of the decision in writing within 7 to 10 days of receiving the application.
Yes, anytime you apply for a Capital One credit card it results in a hard inquiry on your credit report.
Keep in mind that a hard pull may result in a small temporary decrease in your credit score. Your score may also drop a bit when you get approved and open your account, but that’s only temporary as well.… read full answer
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.
The Capital One credit card credit score requirement is of at least 300, depending on the credit card. For example, applicants with limited or bad credit can get a secured credit card from Capital One, while the best Capital One credit cards overall require at least good credit for approval.
If you’re not sure which Capital One card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card on the issuer’s website. You may also want to check your credit score before you apply for any Capital One card, just so you have a better idea of what to expect.
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