Your Capital One Quicksilver approval odds are higher if you have a credit score of 700+. This means that you need at least good credit to get this card. Capital One will also review your annual income, sources of income, and housing status, among other factors.
Checking for Capital One Quicksilver Pre-Approval
Keep in mind that, before submitting an application, you can check for pre-approval using the tool on the Capital One website. Pre-approval means that an issuer thinks a borrower has a good chance of being approved. It isn’t card-specific, so you can’t check for one card in particular. But it will tell you which Capital One card(s) have the highest approval odds. Pre-approval uses a soft inquiry, or “soft pull,” so it won’t affect your credit. You will still have to submit an application before you’re approved. And even then, there are no guarantees.
Applying for most credit cards triggers a hard inquiry which can temporarily hurt your credit score, so make sure you know where you stand before applying, either by using an issuer’s pre-approval tool if available, or by checking your credit score for free on WalletHub.
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.
It generally takes around 7 to 10 business days for a new Capital One credit card to arrive, although sometimes it can take less than that. But there is no way to request expedited shipping for new cards. To get a replacement card, on the other hand, takes 4-6 business days. Plus, if you pay for expedited delivery, it will only take 2-3 business days. … read full answer
Here’s how long it takes for a Capital One credit card to arrive:
New cards take around 7-10 business 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 the expedited delivery fee.
You may receive a decision instantly. However, sometimes it can take 7-10 business days for Capital One to process your application.
You can expect to have your Capital One credit card in hand anywhere from 2 weeks to a month after you apply.
Eligible cardholders can use their Capital One credit card before it arrives if they download the Capital One app. The app shows you all the card details. Keep in mind that not everyone is eligible for this feature.
If you’re in the market for a Capital One credit card, there are plenty of good options. You can check out our editors’ latest picks for the best among them and weigh your options.
The Capital One Quicksilver credit score requirement is 700+. This means that you need at least good credit to get this card. Capital One also considers applicants’ income and debt when making Capital One Quicksilver card approval decisions. You can see if you pre-qualify for this card on Capital One’s dedicated webpage.
With a $0 annual fee, unlimited 1.5 - 5% cash back on every purchase and a $200 signup bonus, Capital One Quicksilver is a great rewards card.… read full answer
What to do if you don’t meet the Capital One Quicksilver credit score requirement:
If you don’t meet Capital One Quicksilver’s credit score requirements, the Capital One QuicksilverOne Cash Rewards Credit Card is easier to get. This card has the same 1.5 - 5% cash back rate as Capital One Quicksilver, but with no signup bonus and a $39 annual fee. Applicants with limited have a shot at approval, though. And if you get the Capital One QuicksilverOne, you could upgrade to the Capital One Quicksilver once your score is higher.
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