Frequently Asked Questions

Applying for a Card | Transferring Balances | After Applying | Key Credit Card Terms | Security and Privacy 

You’ll need to provide personal information, including your
• Full name
• Social Security number
• Date of birth
• Physical address (No P.O. Box)
• Estimated gross annual household income

If you are planning to transfer balances, you'll also need payee information such as name, account number, and payment address. (This option is not available on all offers.)

We need your personal information for two reasons:
1. Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. As a result, your personal information is required and used for identification purposes.
2. We use your personal information, like Social Security number, to pull your credit bureau data, which in turn is used with other information like annual income in processing your application.

We need a physical address in order to process your application. However, if your application is approved, you can change your mailing address to a P.O. Box.

We will try to process your application without all of the requested information, but you may experience delays or even be adversely affected by the omission of information.

Yes. Please call 1-866-627-9996.

No, we do not offer the option for co-applicants at this time, but you may add an authorized user after your account is opened.

Capital One will attempt to provide a decision in 60 seconds or less. However, in some cases we need to collect additional information to make a decision.

This means there has been no activity in your application page for 20 minutes, and, for security reasons, your application session will terminate. If you receive the session expired message, please start another application.

We use your contact information for Capital One credit card purposes only. Capital One does not give or sell your personal inform to any other persons or companies.