mizzlady

I recently used Capital One Blank check. I received the check and checked the application status and it continued to say income under review. I called them to inquire as I had faxed the info to them. Within an hour or so of calling them, my income was verified. So, I suggest you give them a call and see what the hold up is. Within the hour, my check was activated and I was ready to shop. I purchased a 2011 Toyota Rav 4 limited, and all was very simple. I was discharged chapter 7 bankruptcy in September of this year, and approved with Cap One two weeks later at 12.65 percent. Give them a call and then go shop. I called and they still needed to contact my employer, which they have not done and its almost a week. I am going over to the Ford Dealership tomorrow to see what they can offer. This is too long of a process and I have called Capital 1 several times this week.

hottdogg, thank you for sharing your experience. I appreceiate it. I am in receipt of the check. I am still waiting on my income requirement to be confirmed. Capital 1 should wait for full approval of requirements before sending out a check. It does not makes sense to send a check that has a potential to be voided if all requirements are not met. It's all about interpretation, see you think you met their income qualification requirements based on your application and the faxed documents. They are still under review. It is entirely possible they may interpret your income documentation in another fashion. I'm not doubting you, it's just the cap one don't get in a hurry for no-one. That's why people come on this board when they deal with a dealer and ask why does it take so long to be notified of their first payment. I will check their income documentation, and have fairly sophisticated methods to verify and match. I may think it passes muster, and close the customer's loan out and send it in to Cap One, but it is still subject to their final approval. And then people complain about the dealer and the dealer being up to something. Once you get the final check on the income, you are good to go. I hope I get to say congrats to you. BOL. I agree that interpetation can vary especially on car purchases. I never went through a "BlankCheck" process before. I do understand that a deal can be voided at anytime. My last purchase in 2008 before I even found this board, I did wait until all financing was final before I took possession of the vehicle. I just find it such a waste of money i.e. Fedex, printing documents, checks etc.. and counterproductive on Capital One behalf. Thank you! I hope to have an update soon.

hottdogg, thank you for sharing your experience. I appreceiate it. I am in receipt of the check. I am still waiting on my income requirement to be confirmed. Capital 1 should wait for full approval of requirements before sending out a check. It does not makes sense to send a check that has a potential to be voided if all requirements are not met.

Thanks Marv. I'll wait until all areas are checked. I logged in... proof of income is still under review.

I was approved on Monday for a $25,000 loan/60 month loan. I sent my DL and paystub in that same day. I logged in today to check the status, and all fields ar completed except for the proof of income states "under review". On the dealer requirements all fields state "please fax". I did not receive any emails stating that they even received my required documents or the check is "activated" an ready for use. Is this the typical process? I called CS, they said I may shop for a car that the check is valid to use. I read that the sometimes Capital 1 will not honor the check if all requirements are not completed. Can someone let me know your experience including after purchase and how all was handled with dealer and payment.

Hi Nicole, Does US Bank have any branches in your area? How do you handle you banking services with them? Thanks for sharing.

Do you have to live in the area where there Banks are located? I know it's recommended to go to a branch to open an acocount, but they don't have branches in my area. I wonder if anyone tried online.

The Navchek won't be accessible until you sign the agreement and return it back so that might not be an option. It sounds like the CC advance maybe your best bet. Go to the branch and see if the can give you some from you CC and Navchek line so you won't go over your limit on Navchek maybe pull $4000 from each one.

OP, if they just approved today you can call tonight or tomorrow and see if they can Fedex your card to you it comes overnight. I did it with my cashrewards card and it was $12 billed to the card. From my understanding the card has to be activated in order to do transfer to checking but call member services and see if they can do it for you. Congratulations and Good luck!!

I have been with DirecTV for at least 10 yrs back when their service was completely horrible, lol. I was with PrimeStar first(if anyone even remembers them) and DirecTV took them over. They truly have came a long long way. Yes, there are outages but I don't mind that at all because I know it is not that often or for a long period of time, cable does not experience that. They have improved their quality of service tremendously. To me all the companies cable and satellite charge too much even if you bundle their products. I have stayed with them because they offered services that cable was not offering at the time such as NFL Sunday ticket, the major sports packages and the TIVO service years before the dvr services by cable and before directv had their own box. I do have my internet service through a cable company which I always preferred. Back when Directv internet service was very costly not sure if it is lower today and the services were like having a dial-up service from what I was told. They rarely if ever pushed their internet service. It was mentioned that cable might not be offered in your area and you have no choice, that is true. I moved from NY to AL to a new subdivision and cable was not available but the internet service was, go figure lol. I just moved my DirecTV services which was free.

I did an auto refi on 11/19/2010. The account was reported on EXP only, but it is listed twice 1 open and 1 closed. They have not reported it to TU or EQ as of yet.

Your welcome. I love using it with Alliant as well. Let us know what the criteria is and how it works, if it is similar to Alliant. I may have to apply for a membership being that they do offer the very elusive Exp score, lol.