How to Respond to Capital One Credit Card Offer? (2022)

Capital One is one of the lenders that have prequalified credit card offers, which are usually sent to potential customers via mail. It could be that you have received mail with these offers at some point in your life. How should you respond to Capital One mail offer? In this article, we shall answer that question and many more.

What Is A Prequalified Credit Card?

Before a credit card company prequalifies you, it will link up with a credit bureau with the aim of having a look at your credit history. Not just anyone is included in the list of potential customers to receive prequalification. The list could contain individuals with a credit rating above a certain level. Alternatively, they could ask the credit bureau to check out the credit of the people appearing on the list supplied.

The information they get from the credit bureau is what makes the lender decide on who to send the prequalification notifications. Once you receive the mail offer, you may choose to respond to it in the most appropriate way.

Read More: Confirm Your American Express Card

Why Am I Getting Credit Card Mail Offers?

Almost everyone with a credit history gets preapproved credit card offers in the mail. After all, lenders have to get more customers and you are one of the potential ones. If your credit is in tatters, these pre-approval offers may seem like a godsend. Only that they do not guarantee that your application for a credit card will be accepted.

If you receive pre-approval offers for cards with huge bonuses and benefits, then you likely have good credit. This is because they know you can get any card you apply for. They want you to take up their offer and forfeit the rest by offering you the highest bonuses. In the end, the prequalification offer is just a marketing gimmick.

However, you may also get a pre-approval offer if you had applied for the same on the Capital One website. In this case, you would have provided them with personal and financial information, which they can then use to do a background check with the credit bureau.

To prequalify for a Capital One credit card, you will be required to enter your name, social security number, and address. You can then sit pretty and wait for the mail to that effect.

How to Respond To Capital One Mail Offer (Getmyoffer Capital One)?

In your mail, you will receive a reservation number and an access code. Open the Capital One website and go to the page where you need to enter this information – “Credit Cards” ⇒ “Respond to a Mail Offer”.

Once you are on the web page, simply enter the 16-digit reservation number followed by the 6-digit access code. Click “Get Started” and you will be taken to a page where you can start the credit card application process.

If you didn’t get the mail offer and you think you might have been prequalified, you can check that out in just 60 seconds. You could get your 16-digit reservation number and 6-digit access code, in that manner.

How to Stop Credit Card Pre-Approval Letters?

Not everyone welcomes mail with credit card pre-approval offers. While they could prove very useful when your credit is not so good, they may end up jamming your mailbox. When push comes to shove, the only option is to stop the mail. The easiest way to do it is to call? 1-888-5-OPT-OUT (1-888-567-8688). You may also visit

The website and phone number do not belong to any of the lenders but are rather services of the credit bureaus. When you choose to opt out, you will no longer receive any of the mail with pre-approved offers. Your request will be honored for five years since you made it.

But you shouldn’t be hasty in making the decision to opt out. You could end up losing the chance to get some easy credit. You may also end up forfeiting generous offers that come with pre-approved cards. Given that generous bonuses are hard to come by, this is a major downside.

Also, you may greatly limit your options when you finally decide to get a credit card. So don’t opt out if you are not sure that is what you really want.


Myrtle Knox

Myrtle Knox is an award-winning reporter, editor, and writer. Her stories about banking, credit cards, insurance, economics, small business, and other subjects have been featured by the Los Angeles Times, Washington Post, Bankrate, Credit Karma, Bookmarks Magazine, FOX Business, CNBC, Yahoo! Finance, and dozens of major U.S. newspapers. Her articles have been cited in seven nonfiction books and two U.S. Congressional hearings. She edits nonfiction, memoir, and fiction, and contributes to Kirkus Reviews. Marcie holds a bachelor’s degree in English from UCLA and MBA from Pepperdine University.

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