intparent, go onto Capital One and ask for information. If you're on their mailing list, you might get those "pre-approved" mailings (I think I get one or two per week!). I just found out about the foreign transaction fee and the fact that Capital One doesn't charge it. So I used one of the mailings, went on line and was instantly approved. D needs her companion card soon, so I called & they processed her card without us having to wait for me to have my card in hand.
When I got her companion card, by the way, they said that they would report information to the credit bureaus, so I'm figuring that this will at least give her something on her credit report!