Back to FAQs category About Credit About bad credit Searches on your credit report Your credit card application Using your credit card Managing your account Statements, payments & interest Safety & Security Photocard Secured Card Aspire® Elite Card Mobile App Complaints Payment Protection Insurance (PPI) Subject Access Request Payment Services Directive (PSD2) Your credit card application Can I apply for a Capital One credit card? 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 could be right for you. I already have a Capital One card. Can I apply for another one? Yes, if you've had a Capital One account for over four months you can also apply for some of our latest products. Take a look to see if one of these great cards could be right for you. What information will you need from me to apply for a Capital One credit card? We will require personal details such as your addresses for the last 2 years, employment status and your personal income. 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. Why do you need to know how long I've been at my address? 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. Is it safe to apply for a Capital One credit card online? 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. What happens when I have completed my application? 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. If I've been accepted, when do I get my card? 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. When will I receive my PIN? 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. Should I change my PIN number? 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. I have been declined for a credit card before - does this mean Capital One will decline me? 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. What if my application gets declined? It is normally best to wait a few months before you apply again for a Capital One credit card. However, our QuickCheck tool enables you to find out if you will be accepted, so you can return at any time to check your eligibility. What are VISA and Mastercard? 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.