Getting approved for a good credit card but with an average score seems like a dream, right? Now, GetMyOffer.CapitalOne.Com is here to make your credit application smooth and easy.
One thing that sets apart Capital One is that it has always looked after the needs of customers that, unfortunately, do not have a good credit history.
To make some amendments, you need a card to help you and GetMyOffer.CapitalOne.com makes sure that your access to that card is now free of any hassle!
The journey for improving your financial standing can be long. You need to maintain good habits over a period of time to see any change in the score. Such habits include timely payments, spending below the credit limit, not carrying debts, and preferably clearing the payments in full whenever possible.
Another thing you would need is a service that can report your good habits to credit bureaus that assemble the credit report and your score. This is of utmost importance since you need a bank that can religiously update your payment history.
Capital One has helped a number of users in the US in this regard. It now sends out CapitalOne pre-approved mail offer to eligible, worthy candidates in order to help them with their credit card applications.
In this article, we will talk about the options you have with Capital One Bank, how you can apply for the credits cards, and how safe will your personal information be in this case? Without further delay, let’s jump in and explore!
GetMyOffer.CapitalOne – Quick Overview
If you have just received a mail offer from Capital One, it must be your lucky day! Although pre-approved mails offers do not guarantee acceptance of your credit card application, they do fairly increase the chances.
Why would you want this credit card? There is not just one advantage that Capital One credit cards carry. In fact, there are multiple reasons why you should consider applying for this plastic.
For example, the platform is completely reliable. Your personal information will be guarded well by the bank. Furthermore, your credit card will be covered by the authorities in case it is lost or stolen.
On top of that, you can also qualify for cards with minimal annual fee. However, that depends on your creditworthiness. Sometimes it is possible to start with a hefty fee and then improve your score to get a card with a lower fee instead.
Note! You can process the application by using GetMyOffer.CapitalOne.com Access Code or Reservation number.
most of the Capital One credit cards offered & allow for automatic increase in credit line after responsibly using it for 6 to 7 months. This means you would not have to go through a long application process for increasing your credit limit.
The credit cards offered by Capital One also have features that will help you boost your score over time. For example, you can set in a date of your choice for clearing monthly payments. Additionally, you can utilize a mobile app to help you keep tracks of bills, debts, alerts, etc.
In the next section we will take a look at different credit cards that the bank offers and the perks that they carry individually.
GetMyOffer.CapitalOne – Credit Card Options You Have With Capital One
1. Capital One Venture Card
Requirements
This credit card requires good to excellent credit score. However, if you have maintained a commendable history, an average might also work.
Annual Fee
You would have to $95 as annual charges. You can be approved for lower annual fee depending on your credit worthiness.
Interest Rates
If you are late for payments, you would be charged an interest rate of 17.24% to 24.49% that is variable.
Rewards
The credit card rewards you with 2X bonus miles per dollar spent. You can also win 100,000 miles if you spend $20,000 within the first 12 months of becoming a cardholder. If you spend $3000 within the first 3 months, you will get 50,000 bonus miles.
Security
You will be eligible for $0 fraud liability in case the card gets stolen.
Others
The miles won through this card are compatible with more than 10 travel programs. You can use these points to avail flights and hotels at lower prices.
2. Capital One QuickSilver Card
Requirements
This credit card requires good to excellent credit score. However, if you have maintained a commendable history, an average might also work.
Annual Fee
This credit card does not charge an annual fee.
Interest Rates
If you are late for payments, you would be charged an interest rate of 15.49% to 25.49% that is variable.
Rewards
The credit card will let you avail 1.5% cashback on all eligible purchases. On top of that, you get $150 on spending $500 within the first 90 days of becoming a cardholder.
Security
You will be eligible for $0 fraud liability in case the card gets stolen.
Others
The points earned via QuickSilver card do not have an expiry date. You can redeem them whenever you want without waiting for a threshold amount.
3. Capital One Savor Credit Card
Requirements
This credit card requires good to excellent credit score. However, if you have maintained a commendable history, an average might also work.
Annual Fee
You would have to $95 as annual charges. You can be approved for lower annual fee depending on your credit worthiness.
Interest Rates
If you are late for payments, you would be charged an interest rate of 15.99% to 24.99% that is variable.
Rewards
With Savor card you can win 4% cashback on dining and entertainment. Additionally, you can also avail 2% cashback on grocery and 1% cashback on all other eligible purchases.
Security
You will be eligible for $0 fraud liability in case the card gets stolen.
Others
The card will free you of the worry of of foreign transaction fee. This means you can use it at places other than the US without any extra charges.
4. Capital One Platinum Mastercard
Requirements
This credit card requires atleast a fair score for approval.
Annual Fee
This credit card does not charge an annual fee.
Interest Rates
If you are late for payments, you would be charged an interest rate of 26.99% that is variable.
Rewards
Although there are no current rewards offered on this card, it does allow you to have an automatic increase in credit line after 6 months.
Security
You will be eligible for $0 fraud liability in case the card gets stolen.
Others
The credit card gives you access to free Experian credit report. You can use it to keep a check on your credit-related habits and make improvements if needed.
Note! Most of the credit cards here come with heavy annual fee. That is because they do not require any security deposit and yet they are available to users with poor credit score. You can qualify for lower annual fee and increased credit card limit by maintaining good credit history in the long run.
Applying For Capital One Cards at GetMyOffer.CapitalOne
So now you know how Capital One cards work and which are some of the choices that you should consider. There are many to choose from depending on what you are looking for.
However, when you are done deciding the card you need, you would have to work on how to apply for it. In case you have received the mail offer, the task would be simple and straightforward. However, you can still apply for the cards without the mail offer. We would let you know about that process as well. Stay tuned!
1. Responding To Mail Offer
Pre-approved mail offer imply that you satisfy a specific criterion for becoming a capital one cardholder although you are not 100% guaranteed to be accepted.
Note! When banks go through your credit report with the purpose of sending out mail offer, they carry out soft inquiry which does not harm your credit score in any way!
Getting a mail offer means the application would be easier for you. That is because it eliminates the need of filling out long form with all the data. Instead you just need to enter some information that is already mentioned on the mail that you got.
When you are reached out by GetMyOffer.CapitalOne, the first thing you need to do is to open their official page.
On the web browser, provide the address www.GetMyOffer.CapitalOne.com. In the new window, you will be asked to provide the reservation number for availing the offer and an access code. You can locate both these numbers on the bottom of the mail.
Recheck the data that you have entered and press “Submit”. Hopefully, you will hear the good news within a week or maximum of 10 days. However, there are also chances that your approval might be denied. If so, you will be informed via email from the bank stating the reason for rejection.
Attention! In case you don’t get a response from the bank within 14 working days, you can call and get in contact with their representative. Typically, this means that your information needed further processing before they could reach a decision.
2. Applying Without Mail Offer
Not all the eligible customers receive the mail offer. Since it is sent out randomly by the bank, it is quite possible that you miss out on yours even though you qualify for it.
That is nothing to worry about! You can simply visit their page at GetMyOffer.CapitalOne.com and see if you pre-qualify for credit card offers.
In fact, you will be able to locate a button at the bottom of the page that states “See if you pre-qualify”. This would open a new window where you would be asked to provide your name and contact details along with social security number and some other data. As soon as you click on submit, the authorities will inform you if you are eligible for the bank’s offer.
Additionally, if you have any issues during the application process, you can always get in touch with Capital One representatives. Continue reading the article to find out how you can contact the Capital One Bank.
3. Contacting The Bank
Contacting the bank is possible via email and mail but we do not recommend that because these are time-consuming and there can be delays in the response.
For this reason, we suggest you try calling on their toll-free number 1-877-383-4802. This would immediately get you in touch with a worker that can help you with the issue or answer your queries.
In case you are a customer residing in Mexico or Canada, the following numbers should be used instead.
- 1-800-227-4825
- 1-800-481-3239
Is It Safe?
Should you respond to the mail offer at all? Would it be safe to get a Capital One credit card? How well would be your personal information protected by the bank?
These are just few questions that may pop in your head as a new applicant. To reduce your burden of worry, we can guarantee that this bank is completely safe to work with! It has been around for years and has delivered impeccable credit cards to thousands of users around the US.
Furthermore, GetMyOffer.CapitalOne is an authentic platform that sends out many pre-approved mail offers to eligible customers. you need to utilize carefully getmyoffer.capitalone.com access code to proceed the application. You can also find hundreds of users online that are willing to share the good experience they had with this portal.
All in all, the services offered by the Capital One bank are completely reliable. If you need to clear any doubts, remember that their representatives are only a call away from you.
Wrap Up
Credit rebuilding happens over time especially if you are starting with a poor credit score. Unfortunately, not everybody is keen to maintain a good credit history. Moreoever, there can be accidents and bad decisions that pull down your score.
If you need help in fixing those mistakes, a good credit card is a partner you need. In this regard, nothing works better than the amazing range offered by Capital One.
In fact, Capital One has something to match everybody’s need. So don’t forget to check out their offers and also share your experience with us in the comment section below. Good Luck!
Miriam Caldwell is a dedicated & expert freelance writer to educate people about personal finance management and budgeting. She shared her knowledge and published the articles at TheBalance.com, GOBankingRates, and BlissfullyDomestic.com. Many financial institutes pick Caldwell as the brilliant source for educational personal finance content.
