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If you haven’t received the Ocean Credit Card within 10 working days, you can send Capital One a secure message via your online account.

You should receive your PIN a few days before your card arrives. If you don’t receive yours within 7 working days since you were accepted, please get in touch with Capital One and they’ll send you a duplicate.

You can activate your new Ocean Credit Card online, via the mobile app or by phone.

To activate your card by phone, call Capital One on 0800 952 5090 from 7am-9pm Monday to Friday and 8am-5pm Saturday and Sunday.

You can manage your Ocean Credit Card account using the Capital One app. The app is available on the App Store and Google Play Store.

If you already have the app for another Capital One card, it’s easy to add your Ocean Credit Card:

• Select the icon with three lines (top left)
• Select Help and Settings
• Select ‘Add another card’

If your Ocean Credit Card is lost or stolen, you should let Capital One know right away. You can report your card as lost or stolen using the Capital One app; simply select ‘My Card’ to find the link.

Alternatively, you can give them a call on 0800 952 5267.

If you’re struggling to keep up with your credit card payments, it’s important to speak to Capital One as soon as you can. Speaking to them at the earliest opportunity will help you work out a plan.

You can also speak to free debt advice services such as:

• Money Wellness
• Citizens Advice
• Money Helper
• National Debtline
• StepChange

This depends on your individual circumstances and the lender’s criteria. You can use our eligibility checker to see if you’re likely to be accepted, before you apply. This won’t affect your credit score.

Not necessarily, no. This will depend on your personal circumstances and the lender’s criteria. We can search for loan options with or without a guarantor.

The amount you pay back each month will depend on a few factors, such as:

• the length of the loan
• the amount borrowed
• and the interest rate that is offered to you by the lender.

Although a longer loan term may mean lower monthly repayments, it can also mean you pay more interest overall.

To get an idea of how much your monthly payment could be, take a look at our loan calculator.

We find personal loans from £1,000 to £15,000 and secured loans from £10,000 to £500,000. The exact amount you can borrow will depend on the lender and your individual circumstances.

When you apply for a personal loan, we’ll ask for your bank details. Don’t worry – this is just so we can verify that there’s a valid bank account for the loan to be paid into.

We’ll never store this information on our system and we’ll never ask for your card details.

We’ll find the right loan for you absolutely free of charge. We may get paid a fee or commission by the lenders or brokers we introduce you to.

A secured loan is money you borrow that's secured against your property. As it's only available to homeowners, it's often referred to as a homeowner loan. With your property acting as a safety net for the lender, you’re likely to get approved – even if you have a less-than-ideal credit score. But if you fall behind with the repayments, then your home could be at risk.

Loan to value (LTV) is the percentage of what you owe on your mortgage (and any secured loans) in relation to the current value of your property.

How it’s calculated:

(Total Borrowing Against Property ÷ Current Property Value) x 100 = % LTV

Example:

Total Borrowing Against Property = £150,000
Current Property Value = £200,000
£150,000 ÷ £200,000 = 0.75
0.75 x 100 = 75% LTV

Lenders use LTV (among other things) to assess eligibility, rates and lending limits when reviewing mortgage and secured loan applications. Each lender sets their own limits. Lower LTVs tend to attract the best lending options for borrowers. 

With Ocean, it’s easy and we’re there for every step of the process.

1. You’ll complete a short form online and get an instant yes or no approval decision – without affecting your credit score.
2. A qualified adviser will call to discuss your loan options and answer any questions.
3. The adviser will also send you a link to our app, so you can read and e-sign your loan documents quickly and securely.
4. We’ll work with the lender and any other third parties (like arranging a valuation of your property) on your behalf, until your loan is funded.

We work with a wide panel of lenders offering hundreds of loan options. Some loans have early repayment charges, and some don’t. If not having an early repayment charge is important to you, let your adviser know so they can find the right loan deal for you.

The process with Ocean is typically around 3 or 4 weeks, but this can vary depending on the circumstances and how quickly we receive the paperwork from you.

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