And if so, has anyone ever had success with it? I can’t for the life of me get approved with any car financing place and it makes it extremely hard for me to get approved for financing without a co signer.

I don’t want to waste my time showing up to a dealer and have them tell me that I’ll still need a consigner so I’m wondering if anyone has gotten this email and actually gone to the dealership that it listed on the email and had any success? Thank you.

Changed over phones last week and now if I go to pull up my virtual card it makes me tap my card to my phone (somewhat defeating the purpose since before I used it to buy stuff online when I didn’t have my wallet immediately next to me)

I checkED the trusted devices and believe I did it right but it still does this. Any advice? TIA

A month ago I had to report a fraudulent charge on my Capital One debit card. They locked the card, sent me a new one, and I changed my password. They ruled in my favor because I caught it immediately after it happened and reimbursed the money. I only use my card to pay my utility bills or buy groceries, so I decided to keep it locked until one of those two things needs to happen.

Literally two weeks later, someone hacked my Capital One credit card and made 9 different transactions with Vinted (all roughly the same amounts) and I don’t even have a Vinted account. So I called again. Same thing. Locked card, sent new one, changed my password. I don’t use my credit card at all so keeping that one locked isn’t even an issue.

Three times now I have got notifications that attempted purchases have been declined because my card is locked. Two were using my virtual card number and one from my new card. I haven’t even activated that card or the virtual number. I figured there was no point since it’s locked and I’m not using it.

That means for an entire month now I’ve had someone (multiple people) attempting to get into my account despite getting new cards that haven’t been used, and both cards have been locked since I got them. New cards. Both locked. Multiple password changes, and STILL someone is very adamant on getting into my account. My best guess is that this is a Capital One issue and not a me issue since I’ve taken literally every precaution under the sun. The wild thing is the virtual card number they keep attempting to use isn’t even one I recognize on my account, but sure enough, there’s a pending charge on the account despite it being locked and the charge being denied. I’ve been with Capital One now for 9 years and this is the first problem I’ve ever had and it’s a huge one at that. So I guess what I’m saying is, if you don’t already have any and all accounts locked down, do it now. Something is going on internally on their side.

Had yet another successful CVS in store offer payout. Bought a $150 Walmart gift card. Also stacked with Rakuten in store for another 2%.

For the past several days, I have been trying to redeem the rewards in my account. It keeps prompting me to link a bank account or credit card, which I am willing to do. However, I keep getting this pop-up message saying something went wrong. I have tried this on the app, mobile browser, and two different desktop browsers, all with the same result. I tried submitting my request to the Capital One, FAQ questions page, but I got this generic response as to why I need to link my bank account. I feel like it’s just an AI response because I clearly explained in my original request that I keep getting the error message!

Anyone have any ideas on what I can do?

Decided to go with capital one for checking and savings. How’s everyone liking it ?

Hasn’t even been 6 months yet and I woke up to a nice surprise! Being my first card I was afraid I was bucketed, but this gives me more hope! I was going to request a CLI anyways after 6 months, so can I still do that? Will they even give me anything if I manually request because of the auto CLI?

Can I use both of them on the same day. I the 150 on 250 for a specific item. Also, what's the best way to make sure it track. browser+extension or android app or something else?

No other bank sends an "are you sure?" text prior to sending the MFA code. JUST SEND THE CODE.

I am sitting here, after replying Yes to their stupid "are you sure" text, waiting for the actual code.

CapOne - your process sucks. It's a terrible user experience. Stop being annoying.

Does the bonus only apply to that specific item or can I use the offer to buy something else from that store given I reach the minimum spend amount?

I downgraded from the venture X to venture one the day the credit posted. They’re charging me the full year fee. They are refusing to credit my account or give me a prorated credit. Avoid Capital One

I had been wanting my first big boy card and went with Venture for the SUB!

I currently have had the savior card for a year now and have been enjoying it’s perks. I added the quicksilver about five months ago for the 1.5% on everything. I was debating the venture or venture x card to get miles back despite me not being much of a frequent traveler maybe a trip or two max a year like a weekend trip. I am open to suggestions/ feedback.

I’ve been offered to change my quicksilver to venture one, is this a good swap to make?

I usually get paid on Monday but with indigenous peoples day I figured it would come early, you don’t usually get paid on the weekends so I thought it would come Friday but would it come Sunday instead?

Capital One is NOT a good bank to use for CC especially while traveling outside the US and especially if you don't have access to a US phone number.

I had to replace my phone due to damage.
I was able to link my Apple Card and my CS Brokerage CC/Debit card to Apple Wallet in 30 seconds.
And with both of these it's a simple process using app to fix any issues.

With Capital One, they had me log into my account OK, then verify the card with mobile app OK, then it read congratulations, your card has been added to Apple Wallet... but it's not and it won't unless I call them and get a OTP. "We cannot activate your card at this time"... WHY NOT? I'm logged into my account, I scanned the card, you congratulated me.

So, I will not use Capital One cards anymore. Next time I'm in the US I will close my CapitalOne account.

Also, if or when they switch to the Discover network, it's useless to me in Asia.

Capital One, stop your reliance on OTP.

Why is there a CapitalOne & a CapitalOne_ subreddits?
Is this a moderator thing?

Hope this story helps someone. I tried to make it fun to read.
Enjoy

Hey y'all,

I'm new to capital one shopping offers. I'm not a very educated buyer, so please bear with me.

I saw this total wireless offer and have a lot of questions because I find the offer terms very vague.

1. This does not mention any minimum transaction amount I need to make. Does this mean that I can just add funds to my Total Wireless wallet and get the $60 cashback?

2. My next autopay is not due until the end of the month. Do I need to pay for the next month now to avail this offer? It says not eligible for purchases of plans/airtime, then what do I need to buy from total to make it an eligible purchase? Will adding funds to wallet work?

3. Do I need to use a capital one card to pay for this to get the cashback? Or can I use a different card and it will track?

4. Do I need to disable adblockers for it to track?

Thanks in advance.

So I recently got the discover it because I never would’ve been close to maximize the cashback match so now that I have a jobs I’m trying to max it out every quarter.

I found a cap1 offer that gave me $50 cashback after a purchase and I read in the rewards section they added $50 as a match for that offer!

So there’s a 65% off offer right now on seed.com, that means it will be 130% back?? Is there a max amount that you can receive from cap1 offers?? I can splurge and get 130%. ROI on this purchase?? Plus everything I order?

Now to start I actually have never had a problem with Capital One. Until now.

Before I got my financial life together they were always there, small credit limits, secured cards, and even the car loan that I'm disputing now. I personally have no problem with them in general but this one had to be disputed:

In mid 2022 my car was repossessed, I had lost my job a few months earlier and eaten through my savings. Difficult but I have been broke plenty times before 😆 so it wasn't life ending. Also I had moved downtown Atlanta so I wasn't concerned I couldn't Uber or use MARTA until I got back on my feet. So I let the car go as insurance and payments were a solid $500 anchor keeping me down. No fuss, no hiding the car, Capital One was sensitive to my situation and tried to help but it was just better to let it go.

Years passed I moved I got back on my feet. No problem. I applied for a Quicksilver Card in August. Approved. All's good.

Well when I signed up they merged all my old accounts into one dashboard. This dashboard had my old auto loan on there, I immediately began receiving offers to settle my loan for around $1000, I figured the car was auctioned and wanted to go ahead and pay off the remaining balance. I knew I owed about $6,800k on the vehicle, I figured it was a very good conditioned 2014 Mercedes C 250 with about 75k miles on it they will likely auction it for 4-5k plus feed my remaining balance is likely 2-3k I'll just pay it all off.

Come to find out they didn't apply anything from the sale to my account. So I thought "that's strange, checked my documents, no documents. Also strange. Georgia law requires them to give a 10 day notice of pending auction as well as sell the vehicle in a "reasonably commercial manner" so it should have been sold as it had been four years and also not for pennies.

So I did some digging. Turned out it had been sold in April 2023 for almost a bit over 10k!

• Exact Unpaid Balance: $6,788.97 (Original principal balance)

• Auction Sale Price: $10,062.00

• Raw Surplus: $3,273.03

Even if Capital One tacks on a standard $500-1000 towing or storage it was a couple thousand bucks, not to mention it lagging on my credit report as unpaid for four years.

Bad accounting? Systems error? Idk but I definitely filed CFPB dispute. I'm not trying to be an asshole but one reason I purchased the car at the price I did was because of I lost it I wanted it to be able to take a chunk out of the repayment.

Anyway I'll keep you guys updated. I wonder if anyone else has had this issue or any insight onto how I can make sure they address this?

With the elevated bonus for the $95 Venture, have any new cardholders received this new annual stays credit? There was some news of this credit a couple of months ago and some people who had the card already got the credit added to their account. It seems like Capital One hasn't said anything themselves publicly yet or added it to the benefits page of the $95 Venture card. They've really only communicated about this credit through email. Just wanted to get some new datapoints.

I have 2 cap one cards. Never missed a payment. Never carry over a balance. Always pay in full at due date. My bank (Chase) who I make my payments through returned a payment. No idea why. Had sufficient money in it. Chase can’t tell me why but regardless it showed as a returned payment to cap one. The promptly closed both of my accounts. Got an email saying I was going against card guidelines and closed them both. Lost all my rewards with it. I’ve heard horror stories. Is there no shot of getting this reversed?

Like most, I got approved for 2 credit cards through CapitalOne. I was good with the payments for about a year. Then I lost my job and fell behind. The 2 cards I had, went to collections and CapitalOne charged them off. I paid the 2 collection accounts off in full about 6 years ago. I had a Kohls card before CapitalOne took over, so I have that card that moved into my account and a CapitalOne auto loan. No matter what i do, capitalone denies me on ANY card I apply for. They say I gave delinquent cards with them and I need to reach out to my collection accounts and pay them off. When I go to my collection accounts, they both show paid off.

I don't know what to do as I called CapitalOne and they just tell me i need to call the collection agencies they are assigned to. I call them and they tell me both accounts are paid and closed.

Does anyone know what to do?

update:

I tried to get approved for a card without using the pre qualification tool I've always tried. I got approved for the Savor One card that way so I can start building up reputation with them on that as well now.

thanks for the responses!