Does the Capital One VentureOne credit card do a hard pull?

Capital One uses any of the three major credit bureaus for credit card approval: Equifax, Experian or TransUnion. More specifically, Capital One usually pulls from more than one credit bureau when considering your application, unlike most issuers who prefer one.

So, make sure all of your reports are in order. Remember that you are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.... read full answer

If you apply online or over the phone, it usually takes around 60 seconds to get approved for a Capital One credit card. If not, you will most likely receive a decision within 7-10 business days.

Things to know about Capital One credit card approval time and process:

• Approval Time: ... read full answerYou should receive a decision within 60 seconds if you apply online or over the phone. If Capital One needs to collect additional information to make a decision, you will receive a decision via mail within 7-10 days of your application.
• Delivery Time: You can expect to have your Capital One credit card in hand 7 to 10 business days after approval. Secured credit cards can take 2-3 weeks to arrive after the full deposit is received.
• Instant Use Feature Available: Some cardholders may be able to use their Capital One credit card before it arrives in the mail. To check if you’re eligible, download the Capital One mobile app and check for your card details under the “Your Card Number” section. If you aren’t seeing this option, you would have to wait for your physical card before you can use it.

You can check the status of your credit card application anytime by calling Capital One customer service.

You need a credit score of 700+ to get the Capital One VentureOne card. This means at least good credit is required for approval.

If you’d like to see where your credit stands, and thus get a rough sense for your odds of approval, you can check your credit score for free on WalletHub.... read full answer

Other Capital One VentureOne Approval Requirements

Capital One takes far more than just an applicant’s credit score into account when making approval decisions. The issuer also considers your overall financial picture, including your income and existing debt obligations. So, your credit rating can only be used as a guideline.