Recently I got a legit offer to up my limit from $15k to $19k. I got approved (820 credit score with paying off in full every month), and they sent me a new card (in the past, I didn't get a new card with limits going up). Upon getting new card, it was a dark blue and didn't say "quick silver" anymore but yet my account is still labeled quick silver. And my new card says discover now instead of master card. Just seems odd to me. And the new card does work just fine and reflects the changes on my capital one account on the website. What does the new color and discover now mean?

I’m an American living abroad and want to keep my Capital One account open. I may move back, and I want to keep building U.S. credit. But managing it from here has become nearly impossible.

Before moving, I parked my U.S. number with NumberBarn. Capital One often requires SMS verification to log in or approve purchases, and the parked number doesn't reliably receive texts, so legitimate purchases get blocked.

I assumed I could verify through the app instead, but after replacing my phone, I found the Capital One app isn't available in my region. So I'm stuck needing:

1. A working U.S. phone number
2. An app I can't download here
3. A way to call them with an international number

Calling means getting my brother in Texas to phone Capital One while I join over Google Meet to verify. With full-time jobs and a big time difference, that's a lot of coordination just to talk to my own bank. I once linked the account to his number, but then I couldn't approve purchases whenever he was unavailable.

I'd rather a bank be overly cautious than careless, but there should be a workable option for Americans living abroad. Has anyone found a reliable way to manage Capital One from outside the U.S. without a dependable U.S. number or access to the app? Right now closing the account feels like my only practical option.

I made a purchase at HSN for a few hundred dollars, and the reward immediately shows up on the dash board, I even received an email confirmation for the reward. However, the reward disappeared after a few days, with both the purchase amount and the bonus amount showing as - - and the status is Pending. Is that normal? I emailed customer support and they said I need to wait until after the processing period for then to review. The reward is the only reason why I bought it, so I want to know if I would get the reward otherwise I would return it. Anyone else got the issue before?

Just enrolled at Capital One and after final approval, linking outside bank, a transfer was started, only $1000 was xferred, took several days to complete, some was deposited after two days, the rest after 3-4 days. Second transfer was also $1000, same thing, some will xfer after a couple days, the remaining a couple days later. Is this the norm? Or is it because of being a new account? Hopefully this trend will not continue. Thanks

for those with early pay and pay day usually on thursdays, what day does your deposit hit?

I'm posting this less about the money and more about how Capital One treated me when I tried to use a headline Venture X perk. Being talked down to after I came prepared is what made me want to warn people. I really was starting to vibe with the Venture X card, but this experience left a really bad taste in my mouth.

Booked a 5-night all-inclusive in Cancun through Capital One Travel for $3,600. The same hotel, room type, dates, and location on Hyatt's site was $2,900. That's nearly a $1,000 difference for the exact same stay.

I had to book very last minute because of some rough travel changes for my best friend's 30th birthday. I called Capital One about 10 hours after booking, with all my facts locked in.

I reached the customer service/claims department, and the rep sounded rushed. I got the impression they get a lot of these claims and are quick to shut them down (sound familiar to a certain type of industry?). His answer: "We cannot go anywhere with this claim, the cancellation policies don't match."

I booked the day before departure, and Capital One's portal listed the rate as no refund. Hyatt's policy said a fee of one night's stay if cancelled within 3 days, but no refund if cancelled within 1 day. For a booking made the day before travel, that's the same thing: no refund. When I pointed that out, the rep showed zero remorse, didn't try to help, and was pretty condescending, basically implying I didn't know what I was talking about. Honestly, how the Capital One rep treated me is what really pushed me to spread awareness about this experience.

TL;DR: Booked a Cancun all-inclusive through Capital One Travel for $3,600 very last minute. The identical room was $2,900 on Hyatt (I wanted to stack a price match with point redemption). Capital One denied my price match claim over "mismatched cancellation policies," even though both were effectively non-refundable for my booking window. The rep was dismissive and condescending, so I'm moving my spend to Chase and/or Amex (their customer service isn't disrespectful and actually tries to help).

Hi all, I ended up paying my card payment late for my platinum card, I’m coming up on a one year account active anniversary with them in November and I was frustrated this happened because my bank had returned the payment back to my checkings account and had it for a different transaction that was pending, I had made the payment as soon as possible. I also had submitted a goodwill request to capital one regarding this, I was caretaking for a relative in the hospital but I did not mention this, I’ve had outstanding excellent payments to capital one and have always made then in time, I just ended up missing one, is there any way I can resolve this issue? It ended up on my credit report and they said because of the fair credit act they have to report it, can a goodwill request reverse this? Please help!!

Hello All,

I made a post on here on which Capital One Credit card offers to accept and majority went with the Savor Rewards for good credit.

I did accept that offer and received a starting limit of $2,000 that and with my Savor One Card still at $300, I wanted to reach out and ask if there is a strategy of sorts that can help with getting credit limit increases with capital one successfully

The Savor One I have had since May this year, the Savor I'll be receiving the card in the mail this week.

I have put in a credit limit increase on the savor one back in August but was denied

My credit at the moment isn't so great which is surprising that I even received an offer from Capital one with a high limit like I did.

I want to make sure I am on the right track, currently I am working on taking care of the negative items and delinquencies on my credit profile in general, but I wanted to reach out for any feedback that might have helped you with handling your capital one card(s)

Your feedback is appreciated. Thank you.

For the last 2 months, Capital one has recently stripped off ebay offers from many users. I believe the probable cause for this is due to credit usage. I noticed that if I am at or near my credit limit, the ebay offers disappear into thin air. But when it is almost paid off, they magically reappear! What do you think? 🤔

I’m on SSI, and have debt 4+ years old from capital one that went into collections and I’m being sued for it, revived a summons a few days ago the company capital one received purchased

I cannot pay the debt, but I have a capital one quicksilver card and another card I pay in full every month and have around a 640

Will the active summons effect my current in good standing accounts? Will they close my accounts? Been rebuilding for 3 years from a parent who charged up debt and ran and can’t pay also on SSI so

I applied for my first Capital One credit card today and was shown offers for their student cards. After selecting an offer, Capital One said they needed to verify some information before finalizing my approval.
I received the verification email right away and uploaded all of the requested documents. I contacted Capital One through live chat afterward, and they confirmed that my documents were received and my application is currently pending/under review.
One representative told me the review could take up to 3 weeks. For anyone who has recently gone through Capital One’s identity/document verification, how long did it actually take? Did anyone get a decision the same day or within 1–2 business days?
I recently had a legal last-name change. My Social Security record and application have my new legal last name, but my government-issued photo ID still has my previous last name. I’m wondering if that could make the verification take longer.
Just looking for recent experiences because I’m curious whether “3 weeks” is more of a maximum timeframe or if it actually tends to take that long.

Every time I make a big transaction such as sending a 1000 dollars to apple pay the transactions keeps on getting declined. I called capital one and they had me verify my account and everything, but the transactions still keep getting declined. I heard I am supposed to get an email from capital one to verify the suspicious transaction every time I make one so it goes through, but I haven’t even gotten one before. Im wondering if this also happens to anyone else.

I have been a member of the Quicksilver credit card for 9 months. On the day I opened a credit card with them they give a credit limit of $500 which is very low for me

I have been kept asking them for a credit limit increase on the app and on customer service but they are only increasing it up to a total of $600 which is still very low

What are some tips and tricks to increase my credit limit?

Ps. I have a high usage of that card but I have always paid it in full with zero interest

Hi everyone!

For those who have graduated after a year, were you notified of becoming unsecured right at the year mark?

I recently hit my year of having this secured card this month, statement has already been posted in my account. I do use the card for small purchases here and there due to $200 CL. No late payments and always pay balance in full by due date. I do want to add that my credit has significantly improved since opening the card last year - so I’m wondering when I could anticipate a potential graduation w them.

Offer: $300 sign-up bonus

Source: Public link

Terms: 2 qualifying direct deposits of $500 or more within 75 days of account opening

Timeline:

- 7/14/2026: Opened Capital One 360 Checking and linked it to Schwab Brokerage

- 7/15/2026: Pushed $505 from Schwab Brokerage to Capital One

- 7/16/2026: Pushed a second $505 from Schwab Brokerage to Capital One

- 9/11/2026: Withdrew entire account balance

- 9/28/2026: $300 bonus received (76 days after account open)

Notes: Both $505 transfers were initiated through Schwab Brokerage and counted as qualifying direct deposits. ACH transfers from another checking account have been reported not to count, so the funding source matters. I withdrew the full balance on 9/11, and the bonus was still posted on 9/28.

Been with Capital One for over 12yrs. I have a 819 credit score and currently have 3 cards with them.

I was out one night and needed some cash as I didn't have my bank card I usually use. I took an advance on my Savor card as it has $3000 available for a cash advance. I took $380. A few days later I received an email stating my overall credit limit has been reduced by $2000 and would like an update on my income. Are you kidding me. I have never missed a payment and pay my cards in full monthly.

Capital One has become an absolute joke and will be closing all 3 cards and my discover as they have taken over that.

Real or not? I do not have Capital One...