Frequently Asked Questions

You must be over 18 and resident in mainland UK (including Northern Ireland).

Each Capital One credit card has criteria to give you an idea of who is suitable for that type of card. Take a look at our credit cards to see which one suits you.

Yes, if you've had a Capital One account for over 6 months you can also apply for some of our latest products. Take a look to see if one of these great cards also suits you.

We will require personal details such as your addresses for the last 6 years, employment status and the length of time you have been with your bank. If you want to transfer balances from your other credit or store cards, you'll need to have these credit card / store card numbers and balances available.

If you have been at your address less than 2 years, we will ask you for a previous address to aid us in establishing your financial background.

Yes - we use a 'secure session' using SSL encryption technology whenever sending personal information over the internet, which at present is the most secure encryption available.

After you have completed your application form, we will review your information and make a decision. If you have been accepted, we'll try to tell you straight away. Sometimes we may need more time to consider your application, in which case we will contact you in the next 7-10 working days.

From the date you are accepted it will take between 7-10 working days before you will have your credit card.

Your PIN will arrive first and separately from your credit card.

You should receive your PIN a few days before you get your card. If you don't receive it within 7 days of being accepted, please contact us and we'll send you a duplicate.

For security reasons we recommend that you change your PIN number to a number that's easy to remember, but not easy for others to guess. You can change your PIN at any UK high street bank cash machine displaying the MasterCard or Visa logo.

Not necessarily. Capital One takes all the information you provide on your application form and a decision is then made based on that and the information from your credit history.

Please wait at least six months before you apply again for a Capital One credit card. You will receive the same response if you apply before that.

VISA and MasterCard own the international systems that allow you to use your card in more than 22 million outlets worldwide. You can use your card wherever you see a VISA or MasterCard symbol, as shown on your card.