Attracted to the lack of foreign fees on credit card charges, I applied for a Capital One Card. I have had nothing but problems applying for a card at Capital One. First off they can only process an application and get a card to you within 3 to 4 weeks of making an application. They claim there is no way to accelerate the process.

Capital One sent my 73 year old mother a solicitation offering free 10,000 miles in year one and another 10,000 in year two. She lives on social security only and is often the target of sub prime lenders and credit card companies. I figured that I would apply for myself assuming my good credit score and nice income with little debt service would make an attractive client for them. Not at Capital One.

During the phone "interview" the Cap One Rep had to leave the phone three times. At times the absence was up to 5 minutes. I got the impression they wanted me to hang up and go away. After all was done on the call I was told a review process would commence of my application. I called up 4 days latter and Cap One could not find my application either under my name or ss number. They claimed it had not been key puched into there system yet. Of course that did not make sense as the information had been taken over the phone by the Capital One Rep. I can only assume that Capital One was not serious about my business with them or that I was "not qualified" as I am not a sub prime prospect for them. What a time waster this Capital One was.