Rebuilding my credit here, made some mistakes when I was younger. I currently have a Platinum secured card and a Discover IT CARD(unsecured). According to CreditWise my score with Fico 8 is 708. I also have one ding for a hard inquiry and 2-3% utilization, 1 late payment 2.5 years ago, and an auto loan.I'd like to try for the Savor Rewards card as it seems to be the best fit for me. I tried the pre approval tool and it just showed the regular Savor card, and two others. Has anyone had any luck just blindly applying? Or would it just be best to wait? I'm not in I gigantic hurry just wanted to take advantage of the low introductory APR.

Got an email for this travel credit for my Savor One card. Called capital one on 10/4 asking where my credit is so I can use prior to it being expiring on 10/5. At first they told me the credit would expire on the first anniversary date which is 10/4. Then they investigate even further that no credit was issued to my account. No one takes responsibility and the call lasted for an hour because no one knows what to do. Can someone help me how to report this? I kinda already gave up on the credit but it’s ridiculous that they can get away with this.

I bought phone cases online and was informed next day they were out of stock. Customer service offered either a full refund or the option to wait for restocking. I replied the same day requesting cancellation.

The company is now refusing to cancel the order and says I must wait for them to re-stock and ship it out to me.  Then I would have to pay the return postage if I want a refund.  It has been over a week with no shipment.  I have documentation of the cancellation request and have already filed a dispute through Capital One.

If the order ships before the dispute is resolved, would refusing delivery affect or potentially disqualify my claim?

Hello fellow Redditors,

If anyone has any experience or knowledge, I'm looking to know if its a straightforward process to switch to Capital One Auto Financing if you currently have an existing auto loan but want to go with a cheaper option? I've had no issues paying my current loan (have been on-time for last 3+ years).

Main issue is its about $689 a month, so if I can find a cheaper auto loan option that'd be awesome.

Also, to note, I currently have a Capital One 360 Checkings account and Capital One QuickSilver credit card in which payments are always consistently paid for. Any answers are much appreciated!

I’ve read that some people are getting e-mails from Capital One offering a change to the new Quicksilver card on Discover. I haven’t received that e-mail but I’m interested in the switch for the new 3% cash back offers. Has anyone called for a product change and been successful or are they still waiting to transfer the rest of us over?

I had a running balance and finally paid it in full before the due date hoping to avoid interest. Still got hit with about $50 in interest. I swear only Capital Crum does this. I had a 20,000 running balance with snake of america and I was not charged any interest when I paid it in full finally after several months.

Am I missing something here, or does Capital Crum owe me a credit?

UPDATE: Capital One was so kind to credit the interest back. Still doesn't answer why one bank wouldn't even charge it and one would. Same scenario. Both credit cards. Anyone have any ideas? Only looking for answers to this questions. Thanks!

Is it normal for CapitalOne to give you a major credit increase while still keeping your card secured at the same amount?

Contemplating whether I should apply for Venture X card. I haven't traveled much but with a better job now I'll have the opportunity to so wondering what to consider.

Through pre-approval application I have an offer for the Venture X card in which I thought of transitioning my current Venture card to Savor. I currently have 90K miles after opening my Venture just earlier this year so with Venture welcome bonus I could really rack up miles.

Are there better cards out there or is the Venture x worth the fee? I hopefully plan to travel 1-2 times a year.

I'm sure other people have had the problem of capital one shopping not giving you the correct amount of rewards from the offer email. What do you guys do when this happens. Customer service is terrible. Thanks

Seems like a massive jump, no? My credit score hadn't actually changed for a few months and I only recently had a minor bump.

Hi everyone. I just got approved for a VXB last week Thursday. The SUB offer was 150K for $30K spend in 3 months. Today, the C1 website just posted 150K for $40K spend in 3 months but if you spend $120K total, another 150K for a total of 300K and $1K travel credit. I called a rep and she said they cant match the offer. May I call someone like a supervisor or corporate to request a match? I havent received the card so it hasnt been activated. Its been 5 days and I know its on its way. Just felt weird the bonus just came out after getting approved. I had similar success with Chase on SUB matches but Im not sure if C1 does the same.

I recently made a capital one 360 checking account and a few days later i received an email saying my account has been restricted and that they need more info. It was also on the actual app and both the email and app were telling me to call 888-420-9943
So i did and for some reason it felt very off, the guy asked me for my address, SSN, and full name. The guy then told me he was unable to disable the restriction and to go on over to a physical cafe location. By the end of it, it felt weird and like i just gave my SSN to a complete stranger. Has this happened to anyone before? Should I be scared? Scam?

I might be over reacting but i wanna make sure

I've had this card for a week and a half lol

I live in a country outside of the US. My mom (from the US) came to visit me recently and we got scammed when making a purchase.

She needed some medication from the pharmacy, so we ordered a delivery order from pretty much the most reputable pharmacy that exists here.

The delivery driver arrived and my wife went downstairs to retrieve the order and pay. It all seemed fairly innocuous until my wife came back upstairs and we had my mom double-check she was charged correctly.

Lo and behold — the charge was for almost $900 and it was supposed to be around $250. We thought maybe it was just the authorization amount and when it posted it would be the correct amount, like when you get gas.

A few hours later, the pharmacy called us to ask if we had ever received our order. It turns out that the delivery driver (their employee) had never marked the order as delivered, nor did they ever return to the store. The pharmacy concluded their employee scammed both the store, as well as us. The employee used their own fake payment terminal to obtain the payment from us and actually delivered the medication, so the store was never paid either.

We obtained from the pharmacy, in writing, an acknowledgment as to what occurred and they accepted fault, but mentioned that because they had never actually collected money from us our recourse would be with our bank, Capital One.

Capital One for some reason is making this into a huge ordeal and won’t refund the money in any capacity. I advised my mom to call and have them set up the dispute so she didn’t improperly enter any information. The support person set it all up for her and then they DENIED her claim like a day later, for some asinine reason that doesn’t even make sense. They said the dispute was filed until the wrong category and therefore, it didn’t apply to our situation and was rejected — except for the fact their own customer support person did that and not us so why blame my mom?

Then, she managed to get the case reopened by appealing. They immediately rejected her dispute on the grounds that since she received a product there was no fraud. Never mind the fact she was charged almost $900 for something with a price that would’ve been barely $250. She is now around 6 hours into arguing with them over multiple days and they’re fully attempting not to refund her in any capacity, even though she’s been a customer for 40 years and was literally robbed and has a letter from the company apologizing for the situation and stating to contact my bank for a refund since they’re physically incapable of providing a refund since they never received money.

This is utterly ridiculous and I can’t believe I’m having to appeal to Reddit for assistance in figuring something out before my mom gets robbed of over $600 she never intended on spending.

Does anyone maybe have any advice or know a way to escalate this beyond the normal channels which are getting her nowhere?

So I'm supposed to be on breathing space due to difficult finanicial situation at the moment and extremely bad mental health at the minute.

Capital one payments just one day stopped going out once and didn't try again. I cannot access the app as its an old card I got rid off ages ago and the date it never accepts on a phone I've had since then.

They keep threatenong to default and I physicallh cannot pay what they are demanding and harassing me for now let alone all at once without literally being kicked out.

I'm not great with phone calls and they are supposed to go through my mum as an approved person ans yet they keep harrasing me and making my mental health worse.

I've just had to take a year out of uni due to poor mental health as I went there as a mature student and signee off unfit for work at the moment.

I need to rant just how there breathing space means fuck all and they just harass. Id love nothing more to be able to borrow from people and get them off my back entirely.

And they neef to allow old cards to be switched to new phone if they are being paid off.

Former Discover Card user that has migrated to Capital One. Thinking about opening a 360 Checking Account, mainly for the ability to Zelle money. (Use to be able to do so from Discover Savings acct until they stopped that last year). So will there be a problem if I use the new 360 checking account mainly just for Zelle?

I saw a Capital One offer for 30,000 miles for a new Verizon line. The terms exclude BYOD and devices under $400. Can I activate a phone I already own and still get the 30,000 miles, or do I have to buy a new phone? Has anyone successfully claimed these miles? Any catches?

Capital One put through my payment twice for my October credit card statement. What i think happened was that i paid the statement manually when i was going through my biweekly paycheck routine, but i didn’t cancel the autopay set for the day after. (lesson learned) i spoke to two live agents, neither of them being able to help because it’s been more than 5 days. What’s my next move here??

Hi, I received emails and letters stating that I needed to call CapOne to Verify Some information.

I called and the agent said this “Incident” requires us to verify some information. I asked, how was the “Incident” triggered and he said that “almost everyone receives these” and I said, all of my kids and wife have a CapOne account and none of them received it. Then he paused and repeated that they just need to verify my information. He asked for my name, address, phone, email, income, whether I plan to transfer funds outside of the USA, my citizenship status. I verified the information.

Then he said he would send the information to the “back office” and they may or may not reach out to me. I asked him, what are the potential outcomes of this “Incident” and he said that “if I hadn’t called in, they would restrict the account” and “since I called into verify”, “you should be ok as long as the back office is ok”.

I have my personal opinions about how they manage these incidents but I wanted to do an fyi because besides the annoyance of now having a discover debit card (and the pain that causes at times), now it seems their service is even worse.

I opened an account with a different bank.

I’ve recently seen people get their offers in miles. I have the Venture card (not Venture X or VentureOne) and the offers show I will get 2x miles but the actual offer is credited only as statement credit. Is getting offers as miles a Venture X exclusive thing?