I just received this letter in the mail…“We are closing this account because Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.” So they are closing my $200 secured credit card. The balance is paid in full but will this still be a negative mark on my credit report?

Got the $900 offer two days ago, I followed the terms and opened 4 lines with device over $400. I am expecting $3600 of cash back.

I just received an email now saying that it tracked but the reward amount is just $2100. Should I be worried? They usually tell me to wait like 90 days for manual review when it doesn't track at all. What about wrong amount? Would they adjust it?

Thanks for any inputs.

First one I got, I didn't get the 200 dollar SUB. This time I made sure I got that SUB...

Capital One

So, I was just on a trip to Europe, my first time, with a brand new Capital One Quicksilver Mastercard (after the last one expired), and for the first time in four years as a customer it stopped working as soon as I landed in Europe. I had planned to use it for all of my purchases as it came with some nice benefits, but nope, declined everywhere with an error code. I called them about it (numerous times) and they said they didn’t even see any attempted transactions, except for one decline when it was swiped. So it was a chip error, apparently, but on a brand new card?
A major bummer as I had booked a rental car through them because of a great deal on insurance, which I no longer had access to, and had to get insurance through the rental company. I was also then forced to use a different card to make purchases which came with a foreign transaction fee I was not anticipating or budgeting for.
And so here’s the kicker: when I called them about it (numerous times) all they said they could do was replace the card. No compensation for my lost car insurance, or the foreign transaction fees, or even any points. I know this seems like small deal “first world problems,” but I can honestly say I’ve never been more dissatisfied with any customer service as a loyal customer for nearly half a decade.
So friends, heed this warning: if your Capital One card suddenly stops working for no reason while in a foreign land for the first time, banking on being able to use that card, all they say they can do for you is replace the card, which does nada when you’re not even home.

I have two cards with Capital One That went over the credit limit and were closed by them because of what they says was because of “Activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.”

I’m wondering if now that they’re paid in full if it’s worth calling or writing and asking them to remove the derogatory remarks on my credit. Has anyone had any success with this? One is reporting 30/60/90+ 4/2/3. The other is 1/1/0.
Thanks y’all!

I have a Venture X credit card, and I added my friend as an authorized user so she can use the card at Capital One to get half off drinks. She spent $18.85. Now I’m trying to figure out whether I pay off the $18.85 on my account portal or on her portal.