Frequently Asked Questions

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

If you apply by phone or Internet, you will often get a response in 60 seconds. However, in some cases we need to collect additional information to make a decision.

You can check the status of your application anytime by calling 1-800-955-7070. We will notify you in writing of our decision within 7-10 days of your application.

If you're approved, you'll receive your Capital One® card, credit limit information, and welcome materials by mail within 7-10 business days.

Upon approval, we will further evaluate your application and determine what your credit limit is. We’ll send written notification of your credit limit amount within 7 to 10 business days from the day you apply.

Report a lost or stolen card by calling 1-800-955-7070.

Yes. Simply call the number on the back of your card. Please note that to add an authorized user to your account, you must be the primary cardholder, secondary cardholder, authorized signatory/company offers, or additional business owner.

Yes. You will be able to enroll in our Online Banking service to do all of the following and more:

• Pay your credit card bill.
• Stop paper clutter by enrolling in online statements.
• Link multiple Capital One® credit cards.
• Redeem your rewards
• View recent transactions
• Check your balance
• Send a secure message
• Dispute a charge

Capital One does not charge a fee for using your credit card for foreign currency transactions. Foreign purchases will be converted at the foreign exchange rate in effect at the time of posting the charge.

Before you travel, contact us at 1-800-955-7070. Please have the following information handy:

• credit card number
  
• travel destination
  
• travel start and end dates

If you encounter any problems with your account while traveling within the United States, please call the phone number on the back of your card. If you encounter any problems with your account while traveling outside of the United States, please contact us at our international collect telephone number, 1-804-934-2001. Please note, be sure to follow the policies for outbound dialing in the country where you are traveling; you will need to place a collect call through an operator, and Capital One will accept the charges.