I applied for this card a few weeks ago after Credit karma said that my approval odds were, "very good".
My Credit Karma scores were - Transunion - 685 and Equifax – 683.
After applying, I received a notification that my application would need further review. I immediately thought that this meant that I’d been declined. My hopes were down, I experienced that few hours of depression that you get when you think you’ve been rejected.
The next day I received a phone call from a rep at Capital one. She said that my application was flagged for further review because they needed to make sure that it was me that submitted the application. After confirming that I did submit the request, she pushed my application forward.
A few days later I received an email stating that my new card was on the way!!! When I received it, I found out that they started me off with a credit line of $3,000. I was so excited, as my other card from Cap1 is a secured card that had a credit line of $500. Moral of the story is, just because your application needs further review, this is not necessarily a bad thing. Capital One has been amazing since I received my first card from them a few years ago. If credit Karma says that your approval odds are, “very good” for this card, go ahead and apply. You never know, they may start you off with an even higher credit line than I did. Thanks for taking the time out to read my review!