Chip Lupo, Credit Card Writer
@CLoop
Yes, Capital One does have pre-approval. Capital One has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Capital One cards before applying for one. Current Capital One customers may also receive pre-approved offers periodically by e-mail or when logging into their online account. And in some cases, Capital One will send people pre-approved offers for specific cards in the mail.
Getting pre-approved for a Capital One card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Capital One Pre-Approval Online
- Click “See if You're Pre-Approved” on the Capital One website.
- Enter your name, address, date of birth and your Social Security number.
- Click “See If I'm pre-approved” to view any pre-approved offers.
If you have pre-approved offers, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a pre-approved mail offer, visit the website listed in your pre-approval letter and enter the invitation code included with the offer. This allows Capital One to flag the application as pre-approved.
Capital One pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to apply for any Capital One card, Capital One will conduct a hard inquiry, which might lead to a small, temporary decrease in your credit score.
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