Capital One makes near-instant credit decisions for most of the consumers who apply online. Once you submit your application, Capital One uses automated underwriting software to process your request and updates your application screen with a decision in 30 seconds or less. If you’re approved, the bank will provide your account details, including your new card’s credit limit. You can then download and sign up for an online account through Capital One’s mobile application. Capital One will then print and mail your new card, which should arrive within seven to 10 business days. If you’re not approved, the bank must send you an adverse action notice within seven to 10 business days that outlines its reasons for rejecting your application. At times, the automated underwriting process may flag your application and require someone to manually review it. This could happen if your stated address doesn’t match the address on your credit report or if the bank sees irregularities in your application. This isn’t always a negative thing. In many cases, the bank may request supporting documentation that a manual underwriter will view to make a credit decision within a few days.