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 could be right for you.

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.

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.

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.

You can change your PIN at any UK cash machine that displays the Mastercard® or Visa logo. Simply insert your card and enter your current PIN. Then select 'Other Services', then 'PIN Services'. Changing your PIN takes effect immediately.

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.

It's normally best to wait a few months before you apply for a Capital One credit card again, if you were declined. Try QuickCheck, our free online credit card eligibility checker. It gives you a 100% guaranteed yes or no, so you know for certain if you’ll be accepted for one of our credit cards before you apply.