Can I use the card immediately via any app if I see it online after I apply?

Cap1 is known to dislike people with really good credit that pay their bills on time (seems counterintuitive, but they do make less money if we don�t pay interest). Their desired demographic pays some interest, carries balances, and has a generally lower credit score.

I was shocked when they approved me (800+ score, 20 year credit history, 30+ active credit cards, $400k income, 4/24 at time of app). They�ve turned me down for their cards previously with similar statistics.

I think this is no longer true, else they would not be issuing cards which their own website shows require Excellent credit. However, they are not interested in issuing cards to people who will spend only enough to earn the new account bonus. One way that they screen for those types of customers is to see if credit reports shows accounts with a balance. This is not necessarily a balance on which we are paying interest, but a reported balance shows that the account is used.

When I applied I was given the option to have a number assigned to me immediately that I could use for online purchases. I did that and it worked. When the card arrived it had a different number/CID/expiry.

DAK

And especially not true with Venture X. It seems to be using a much different approval algorithm.

Anyone have any idea how that affects the AU's credit?
For example, if you have a 30K credit line, does the AU now show a 30K credit line on their report?
It's interesting the SSN of the AU is optional

In my case, my wife added me as an AU on her card (without entering my SSN).

The card appeared in my credit history, with the full credit limit as if it was one of my own cards (see below). From what I've read, it should disappear from the history when it's removed as an AU.

Did she do this during application or later on? Ultimately, what I'd like to know is what does CapOne use as the AU card's open date? Does it backdate to the date that the original account was open (like Chase) or does it have its own open date when the AU card was added (like Amex)?

That I don't know. I added myself as an AU to her account the same day after she applied once the card appeared on her online account.

Was the mail of the AU card under your name or your wife name ??

Usually, if AUs are added while applying the mail will be under your name (one envelope sent out that include all cards). If they�re added after, the envelope will be under their name.
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Both my wife's card (main cardholder) and mine (AU card) arrived by courier in the same envelope addressed to her.

I then added another AU the next day, which also arrived by courier, addressed to the AU.

​​​​​​​Clear. Thanks a lot.

I couldn't have asked that better myself.

It's not only interesting, it's highly problematic. I know dozen's of people's names, phone numbers and dates of birth (relatives, coworkers, neighbors, friends, enemies). That's all I (or anyone) need to maliciously add cards to those unsuspecting people's CRs. Their cards would arrive at my address; they would be none the wiser... until cards mysteriously appear on their CRs thanks to CapOne's laxity.

I wonder what would happen if you challenged that card, demanding its removal. (Not that you would, but hear me out.) I gather (correct me if I'm wrong -- as if) the reporting agency would then contact CapOne to verify the card was added legitimately. One wonders what CapOne would say. "Uhh, no, we don't have a SS#, but good golly we're kinda pretty sure that's probably maybe the right authorized user."

I applied for CapOne Venture X and was approved on Monday January 10. The email I received said I would receive the card in 3 business days. It is now beyond 3 business days, but haven't received anything yet. Does anyone have recent datapoints on how long it takes to receive the card after approval? I want to receive the card and activate it soon, as I have a property tax payment that is due by Jan 31, 2022, and I want to put the payment on the Venture X to help meet the minimum spend.

Thanks.