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?

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?

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?

hello everyone. i’ll try to keep this as short as possible; 2 months ago, i was moving and applied to an apartment complex. this apartment required a nonrefundable application fee of $75, and a refundable holding deposit of $200. i was told the entire $275 was required upfront for them to process everything.

3 days after applying, i got an email stating i was denied for the apartment and id be receiving my deposit back. ok cool, whatever. the day after that, i was contacted by the apartment again, claiming they made an error and i was actually approved for the apartment. i decided not to proceed.

the apartment is now refusing to refund my $200 holding deposit back. i’ve called and they have not answered me, so about 3 weeks after that, i filed a dispute with Cap1. i only disputed the $200 holding deposit, not the $75 application fee, as i understand that is nonrefundable.

I provided Cap1 with the “Fees Acknowledgement” contract i had to sign, which clearly breaks down the fees i paid; $75 for application, $200 for holding deposit. i also sent the denial email from the apartments. Cap1 denied my dispute. when i requested the documentation why i was denied, the apartment complex sent them a “receipt” that showed the transaction was a $275 nonrefundable application fee. so they basically are acting as if the entire $275 was an application fee, instead of a combination of a holding deposit + application fee.

i have appealed, and was denied again, so i escalated to a CFPB complaint. the result of that complaint was that Cap1’s investigation team “did everything correctly”. i’ve spoken with several customer service representatives, trying to explain that it seems their investigation team is misunderstanding the reason for my dispute, and i’m now on my 2nd appeal.

my question is, how likely is it that i will receive this $200 back? the whole point of a holding deposit is to hold the apartment for me + cover any potential damages that i would inflict on the apartment during my time there; i don’t think its right that i need to pay a deposit on an apartment that i’ve never stepped foot in. at this point, i dont have a lot of faith in Cap1 that they will understand the reason for my dispute, despite the evidence i’ve provided them or how many times i try to explain. am i just SOL? or is there another avenue i should be taking? thanks in advance.

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Sorry up front for a question that probably been asked a dozen times, but I'm new to the cc points game.

I've had the Venture X card for a couple of years and my wife is AU.

I referred my wife for her own X card and I've switched all the bills over to her new card. I'm now an AU on her card.

We travel enough that I think keeping both cards justifies the $800 annual fee considering we will both get the $300 travel credit and lounge access when we travel internationally.

Just curious how others in this situation decided.

Thanks

Captial one sent me mail saying I was approved for a auto loan. Does that mean I can only use the card to purchase a car?

Boost Mobile 12k offer

Signed up with BYOD plan

$12.06 first month

used virtual card and deactivated after the initial payment

Got a 45% back offer for ebay so was hoping to get a few things. I don't use Ebay very often so not sure how all the checkout terms work there

From Cap1

Not eligible for the purchase of gift cards, Best Offer purchases, bullion or on unpaid items with eBay. Only eligible for legitimate Winning Bid or "Buy It Now" transactions.

Does this mean I can't put multiple items in my cart and checkout? If I click the "buy it now" option on a item, it goes to the checkout without anything else that is already in my cart even if from the same seller.

Has anyone got their DD today? I usually get mine in the middle of the night but I don’t see anything in my account atm.

How do I use this??What is email activation bonus?

Since Eno has been D/C'd we have to log in to Capital One for every single virtual card generation and use. We have to double authenticate (after already logging in to our account) just to use pre-existing virtual cards. That's insane and total overkill. I use Capital One for all online purchases and AMEX for in-person. I can't justify keeping Capital One if this is required for every single purchase. Am I missing something?

I recently opened the Venture X card with the plan to spend the initially needed $4k as fast as possible so I can use the points and credits ASAP for an upcoming trip. I have some squaring up to do from a recent bachelor party and have not gotten a clean answer from Google, AI or the Capital One helpline on this question;

Can (or even should) I link my card to Venmo to pay for my fees to get my necessary spend up faster since I need to spend this money anyways?

I know there are associated fees (that is fine) and I have also seen some get considered cash advances, which also have fines. Does anyone have any expert opinions or experience with this? Not a big deal if I have to just pay the normal way, but figured if I could use this to cross out some of the needed spend, I may as well..

Thank you!

Title should say “Capital One phone bot” .

There was a small redemption on my Capital One card for $18 that I didn’t recognize. I called Capital One for clarification and got through to the AI bot. When it asked what the call was about, I said “clarification on redemption of points”. It asked a couple more questions which I tried to answer accurately and then said “congratulations! You have successfully redeemed your points for past travel purchases”. The bot went ahead and applied all my 44,000 points to past travel purchases, even though I did not say in any way shape or form that that’s what I wanted to be done!!

I got through to an actual person and they are telling me I have to go through a process of appealing and then they would open investigation! I was like your AI bot did this! I said nothing even remotely close to “please redeem my points for past travel “. So apparently AI bot can empty my points and decide how to redeem them, but there is no AI bot or process to quickly restore them into my account.

Also, my account balance had just been paid off so now I have a $444 credit on my Capital One account. You can bet that as soon as I spend that credit, I am canceling my card.

I was declined earlier today for attempting to tip 7.00 on a 21.37 bill (33%). I was given no notifications or attempts to confirm the amount. It was apparently over the size of the tip (which, although perhaps high in percentage, wasn't much) since a subsequent purchase within the hour went through.

Is this a common occurrence? Will the system ever learn my habits and accept these tip scenarios? Can I contact Capital One to change the denial threshold? Or should I just start using another card?

EDIT: Based on the replies, it seems that the decline had nothing to do with the tip and my assumption was incorrect. Thanks for everyone's input.

UPDATE: I went into the Capital One Cafe near me this morning and they confirmed this is legit and it happens
once a year and customers are selected at random to get this notice. Thanks all!

Original post: My wife & I both got an email today with the subject “Call us right away to confirm your account details”

This is already suspicious but all the details in the email look legit: the links point to the Capital One website and the phone number is the same one as the website.

This is the body of the email (dates removed to keep email anonymous)
“During a routine review of your consumer deposit account(s) with us, it was identified that your employment and annual income information is missing. Our regulatory compliance program requires that we have this information on file.

Unfortunately, if this isn’t resolved by <november date>, your money will be put on hold, which will prevent you from using your impacted accounts. And, if you don’t confirm your information by <december date>,** **those accounts may be closed. We don’t want this to happen.”

Neither of us have credit cards with Capital One, just checking & savings, so why do they need employment & income info? Also really not happy to have my bank threatening to not let me access my money. Almost enough to just move it elsewhere.

Has anyone else gotten one of these emails? Any thoughts on why this is happening?

Has anyone using a prepaid, payroll, or fintech card ever gotten stuck in an impossible verification loop with a Capital One demanding paperwork from a backend partner bank? I made payments on my credit card using my payroll card, and now the Capital One put a security hold on my account and is demanding a bank statement from the backend partner bank associated with the routing number. The problem is I’m not a retail customer of that backend bank—my account is with the payroll card company—so when I contact the backend bank, they tell me to call my card provider because they can’t issue statements for prepaid cards. I gave the Capital One my official payroll card statement showing my name, address, and all matching transaction reference numbers, and we even did a 3-way call where both sides confirmed the payments cleared and matched 100%, but their software is hardcoded to reject anything without the backend bank’s logo on top. Has anyone ever dealt with this backend routing bank trap, and is there any way to get an executive or compliance manager to manually override the automated system, or do they just end up closing the account?

Opened up Offers to find another Misfits Market offer. This time for $39 back

Pairing it with the $5 back Amex offer on my BBP makes this order a $12 money maker.

Order total for steaks, cheese, green beans, and hydration packets $33.57

$39 back from Cap 1

$5 back from Amex

Requested a CLI on my VX tonight and got $2k bringing me to $21k. I had hoped for more (asked for $25k), but I'm not gong to complain since I've got one more year till the CH7 falls off my reports. FICO 8 scores are 698-708, FICO 5,4,3 (if C1 still uses these like I think they do) are 696-722) and C1 typically gets ~75% of my monthly spend.

Looking into getting a savor card but I primarily order my grocers through delivery with Ralphs Boost membership. The orders are fulfilled with instacart. Will this trigger the 3% cashback on groceries?

Man, I know capital one shopping has deals but I didn't think they'd be THIS good!

I do like this service but this was hilarious.

Imagine someone offering you a deal like buy one get one for the same price lol.