One need not visit the firm nor wait in a queue to submit the application. This can be called the effective utilization of information technology. The application form can be filled online on Application.capitalone.com website by entering the reservation number an access code given in the bottom of offer letter. One can fill up the personal information and submit the application for getting the credit card right from the comfort of one’s home or office.

One can apply online by entering the 16 digit reservation number and the 6 digit access code on the Application.capitalone.com website. These numbers are used by the Application.capitalone.com website to serve the right application to the user. Once the application is accessed by entering the access code, it has to be filled, reviewed and then submitted. Though it isn’t necessary to fill all the fields of the application, any fields left blank may delay the process and even result in adverse affects too. One can use the make changes link before hitting the submit button to make any changes in the application.

The personal information that needs to be filled in the application form are: 1) Full Name 2) Social Security Number 3) Date of Birth 4) Physical address (No PO box numbers allowed here) 5) Estimated Gross Annual Household income. Though not available on all offers, one may need to provide payee name and account number and payment address in case one plans to transfer balances. A PO Box number is not allowed in the application. However, one can change the mailing address to a PO Box number by calling the number on the back of the card after one receives the welcome kit.

One may be quite skeptical to provide all such personal information required to be furnished in the application. Why do they need this information anyway? It is because Federal law requires the firm to obtain and record information that identifies each person who opens the account. Added to this, personal information like social security number is used to pull credit bureau data which is used along with other information like annual income to process the application. As of now, a co applicant is not allowed; however, one can add an authorized user after the account is opened. All consumers who are equal to or above the age of 21 years can also apply over phone too.

All the information required is provided in the offer letter. However, if one wants to know more, one can call the number provided on it. The time required for the firm to provide a decision online may be less than 60 seconds, however, it may take a bit longer as some additional information may be required or sometimes due to unavailability of system. The decision of the firm would however be provided in writing.

When someone provides confidential personal information on the internet, considering the online frauds happening off late, security becomes the prime concern. However, applying online with Capitalone is quite secure as the data transfer is completely encrypted. Information sent and received is encoded and can be deciphered only by the firm and the individual consumer. The Secure Socket Layer or SSL encrypts data before it is sent from the computer. One can check if the session is secured by the small padlock icon on the right hand side corner of the web browser window. The “https:” at the beginning of the web address or URL shows that the transfer of information is completely secure. The recent versions of Microsoft windows Explorer and Mozilla Firefox are recommended for best experience of features of the Capitalone online application. It is also recommended to enable Java script for all the features of the web page to function.

Every step of application is completely guided. The error messages are displayed when any field is left blank. These error messages vanish as soon as the applicant fills in the required fields. Characters like #$^@^}{() “:;’_+ are not allowed. Numbers cannot be entered in the Name field. Similarly, one can enter only numbers in the Social Security Number field. Only numbers can be used while filling the Date of Birth field in the MM/DD/YY format. Monthly rent/mortgage amount also has to be entered in numbers.

One can go through the Privacy Notice of the firm to understand how Capitalone takes every care of the personal information without sharing it with any others. One can also stop “prescreened” offers of credit from this and any other company by calling a toll free number too.

With all these features, it is for sure that one can safely provide their information and apply for the credit card online without any hassle.