There is no Capital One Journey concierge benefit. Cardholders with questions about their account can call the phone number on the back of the card for assistance, but the customer service representative won’t be able to perform the wide range of services provided by some credit card concierges.
A concierge acts like an on-demand personal assistant for cardholders, able to help with nearly anything, from travel and purchase assistance to directions and restaurant reservations. Although Capital One Journey does not offer concierge service, plenty of other credit cards do. If the benefit is important to you, some popular credit cards that have a concierge are Capital One Quicksilver Cash Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card.
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.… read full answer
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.
It is also worth noting that you need fair (640+) credit to get Capital One Journey, but this card also accepts applicants with limited credit (less than 3 years of credit history). The card might be geared for college students, but it isn’t limited to them; this means you don’t need to be a student to qualify for it.
Lastly, although Capital One Journey doesn’t give you the benefit of checking for pre-approval, before submitting an application for this card, you can instead check if you’re pre-approved for a different Capital One card. Pre-approvals generate a soft pull, so there’s no effect on your credit score. If you are pre-approved, you can reasonably expect that you’ll have high odds of approval for Capital One Journey, as most of the cards that allow you to check for pre-approval share similar credit requirements with the Capital One Journey card.
The Capital One Journey credit limit will be based on your creditworthiness once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as Capital One does not disclose this information on their website.
Capital One Journey is a credit card geared for students with limited credit. If you don’t have less than 3 years of credit history, you will need to have at least fair (640+) credit to qualify for this card.… read full answer
Here’s what you should know about the Capital One Journey credit limit:
There's no surefire way of knowing your Capital One Journey credit limit before applying and getting approved.
When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role.
If you are not happy with the Capital One Journey credit limit you have received, you may request an increase after you’ve had the card for at least 6 months. However, there’s no guarantee you’ll be approved.
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