If an existing card is lost or stolen, they might expedite a card but you’ll need to kick up a fuss and sometimes even pay a fee. If you’re new to reconsideration calls, we recommend reading this first. You need to receive an official e-mail from them with the status of your application you can then try calling one of the many numbers available for them. Capital One doesn’t really have a reconsideration department if you’re denied for one of their credit cards.Although I haven’t seen anybody saying they were offered a higher than publicly available bonus using this. You can view what cards you’re pre-approved for online.Unfortunately we still do not know if it’s a hard or soft pull, both cards need to have been opened for at least six months. They also allow you to do credit limit reallocations online.You can request a credit limit increase with Capital One online, once every six months.So make sure you’re applying for the best offer. Capital One does not match higher sign up bonuses.Cards that have been product changed due to other cards being discontinued do not count either (even if they are Capital One branded cards). Maximum of two personal cards, but only Capital One branded cards (e.g not co-branded cards like the Sony card) count. Capital One has limits when it comes to how many cards you can have with them.There doesn’t seem to be any minimum waiting period.

As long as you’re approved, you should get the bonus. You can get the sign up bonus on Capital One cards more than once.Freezing Equifax doesn’t look like it’ll work. This goes back to the point we made above, but basically you can freeze either your TransUnion or Experian credit reports and still get approved. Capital One will still approve you if you have one credit report frozen.This matters because new applications on your credit report affect your FICO score, other issues will usually only pull from one of the three bureaus meaning you get a chance to spread those new inquiries out. Capital One pulls your credit report from all three credit bureaus.

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