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I am fairly sure they do that to everyone.. they have to do a credit check which may take some time. Alternatively if you have a questionable credit background then it make take some time to set a credit limit.. which usually takes a person making a decision (and is not instantaneous)
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It usually means that they will need additional information. They may call you to verify information that you entered on your application, such as your salary or employment, or they may need more time to review your credit report. CapOne has pretty lenient lending standards, so I definitely would not interpret that as a denial.
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