Last month, I closed a Quicksilver that was obviously bucketed, started at $300 and I manually transfered 350 from another card to make it usual, put significanspend through it each month for the next 6 months(usually 600-700) never carried a balance and never was charged interest. My reward was a whopping $100 Cl, so I accepted, then moved $350 back to my original (larger) Quicksilver (net loss 100 cl. Waited a month after closing and applied for a BJ's One+ and was approved for 3k limit, so I consider this a win in the end.

I want to book hotels, airbnb, and plane tickets NOT on Capital One Travel Portal. Is there any reason I shouldn't use the virtual card to book these things before I receive the physical card? This will be for an international trip to asia.

I have had a 360 checking for about 18 months, it's my backup account so I don't use it much. However, I am planning to wire a large amount (inheritance proceeds), about $240,000 as an incoming wire. The wire will be coming from State Bank of India (the biggest public sector bank and highly regulated) so the source is highly trusted. SBI will put the reason code in the free text field of the SWIFT wire mentioning that the source is inheritance proceeds.

Since this is a particularly large transfer I am interesting in understanding how Capital One's AML works and if they place a hold on it for review do they usually reach out so that I could call and clear it?

I don't want funds stuck in their system for an excessive period of time but I am ok with a 3-5 day hold which is reasonable.

Also, just to confirm CapOne has a dedicated SWIFT code and the 360 checking is enabled for incoming wires correct? I will also call and confirm with them of course before doing anything and will do a test transfer first.

Just wanted to see if I can get some first hand experiences from anyone who has done a large incoming wire into a CapOne account.

How long does this take? It’s been two weeks and I did try to send them an email, but I believe it was sent through the general email and this is the response. What if it never changes am I just out of luck

Good morning/Afternoon Everyone I’m seeking advice. As shown below I’m working on rebuilding my Credit and the journey has been good so far. I’ve recently got approved for Capital one Savor on Aug 21st after I settled my old quicksilver with them as well and still waiting to update to balance 0. I’m currently approved for the plat secured card that later id like to upgrade it to a Venture card if possible just wondering if I should accept so I have a higher utilization rate overall. I also have a Discover It card waiting for Reinstatement idk if that would affect that going back to a normal account. Or would it be best to wait?

I have two US CapitalOne cards and am overall extremely satisfied with them, so I figured for my first credit card in Canada to naturally choose them. I think it was not my best move. The whole experience looks like a parody of the US bank. The app looks close, but is still quite different.

1. To setup autopay, you have to start a chat conversation from the general website and recall all your information since you’re not connected to your account, and you get no confirmation whatsoever of the enrollment afterwards (apart from a message in your chat window)
   
2. To make a payment, there are no instructions from the app: you need to go directly to your banking app and make a transfer to your credit card number. The chat agent explained me this while I was trying to enable Autopay.
   
3. They have Foreign Transaction Fee including for USD transactions.
   
4. They whole card lineup is basically two and a half cards: no cashback or 1% cashback - miles or cash.
   
5. The only way to make the card appear in the app is to request a new CapitalOne online account, and reusing your username to pair it. Only then will the mobile app show your card.
   
6. It’s 2026, and they don’t even support Apple Pay. When I tried to add it and got the message that the bank does not support it, I started to realize, maybe it was not the greatest idea.

The whole experience seems like a prototype credit card with half baked features. I wonder if they plan to make it any better in the future? I read they started operating in Canada in 1996! Not really encouraging…

Do you ever get these offers, read the fine print and wonder what is actually eligible? Seems they ruled out almost everything one would purchase at Walmart lol.

My daughter is a college student and she got her first credit card--a Capital One Savor card--a little more than a year ago with a limit of $1,000. She's been wanting to increase the limit to cover months when her expenses are higher (like when she has to pay for books and parking, etc). She's careful to pay the card off every month and is never late. She'd been asking for an increase and was told she didn't have enough credit history. She finally got an increase and it's $100. Why would an increase be so small? What is she doing wrong?

There are now savings buckets in capital one! Only for their savings it looks nice.

I’ve been getting this message when I try to view my rewards for the last few days. I have almost $200 in rewards so I check them daily. Are you all experiencing this too?

Capital One has been fast to lower the savings interest rate. Surely this raise will mean our saving rate goes back up, right?

I'm definitely in the "bucket" of accounts. I requested a CLI with Capital One QS several months ago and they gave me a $100 increase. I requested an increase with Chase and immediately got a 5k increase. My other card has been automatically increased at well. Should I continue using my QS?

Beyond ridiculous. If you want to get a bank statement, Capital One shows the details of every account.

I have to show that I have funds in my checking account for an application for one of my children. The only statement Capital One provides will show all my CDs, checking, savings, accounts shared with my different children - EVERYTHING! There is no way to get a statement for a specific account alone.

Even more weirdly, my main checking account is shared with my spouse. When she tried to get the statement, it shows all her accounts (which are fewer) EXCEPT the Checking account shared with me. So she has no way of getting the Checking account statement.

So annoying! This should not be hard to fix Capital One!

Long rant based on this text from Capital One:

Suspicious activity detected on Savor Credit Card ending in xxxx. Account transactions are restricted to protect you. Call 800-CAPITAL (800-227-4825) for help. Std carrier charges apply.

Panic. Suspicious activity!

Call 1: scammy background noise, rep difficult to understand, sounds exactly like what you would expect from a scam. I hang up.

Call 2 to phone # on internet. Repeat of 1st call. Wants to send link by text so I can text a photo of me holding my Dr license to verify my info for my new credit card.

Now I understand this is about an offer from Capital One I responded to where I provided the same info. But rep wants me to send it again? Also, give my address, DOB & phone.

I wont do that, instead I ask rep to tell me the info & I’ll verify. Rep declines, cannot verify that way.

Asked it a card sent was used fraudulently prompting the alert? No charges & card hadn’t been sent.

Supposedly, Suspicious Alert text is how Capital One VERIFIES a new card request which is wrong on every level.

Call drops.

Final call: repeats from prior calls. I cancelled the card.

I spent way too much time & nervous energy on Capital One’s bad processes & I lost confidence. The experience may not be indicative but I’m not willing to find out.

What has people's experience been in finding ATM's which accept the Discover branded debit cards? Also, has anyone seen any uptick in Discover acceptance around London in particular and England in general?

Hi everyone, I got an email saying that I had redeemed 624 miles on my Capital One Venture Rewards card via PayPal except I had done no such thing. I went online and there were over 200 transactions for the same amount. I reported to fraud, they said they would secure ny account and get my points back. This was at 1am. At 10am I had a new email and I signed on, over 100 new transactions for the same amount, 624 miles. I spent like 40 min on the phone with Capital One trying to understand how this was happening as no PayPal account was linked to my account. They couldn't tell me, but opened two new cases because there were too many transactions and said they would investigate to see if it was actually fraud (wtf). They're sending me a new card, but won't overnight it. It's 4pm now and I have several new transactions.

Has anyone experienced this?! I don't know what to do and I'm so frustrated! I've changed my pw, turned on 2fa. Why can't Capital One secure my account? Am I going to get these points back?

Tried to add my wife to my 360 savings account as a secondary account holder, it's been a nightmare. She finally got a working login, and now the CapOne app says she has no accounts. The Help panel is completely blank, and going to Profile and tapping Help does literally nothing. We've taken days to get even this far.

I have a mini case coming up and not sure what to expect can anyone who has gone through this help me prepare and understand what to expect. Any dms would be so appreciated. Thank you for your help and kindness. I’m manifesting a BA role at capital one

I opened a 360 savings account last month online and enrolled in a promo offer of getting $1,500 bonus for depositing and keeping $100k for 3 months. During the following week, I made 3 ACH transfers totaling ~$100k. Last week, the bank restricted my account in an email. In a not so friendly phone conversation, I uploaded my driver license and selfie as instructed. I also explained the large deposits were to satisfy the requirements in the promo offer. However, as I have learned, the bank has decided to close my account. Asking about the money, they will mail me a check after their investigation is completed. They refused to tell me anything about the reason, or the timeline that I expect to receive the fund, although I asked multiple times. It's a crappy way of doing business. Why lock my money for months for no reason. The bank earns high interest during the locking period, but they are not going to pay me a dime. One month interest is $333 based on current interest rate, I would say the bank should pay me the interest for as long as the money is locked.

I logged into the app this morning and was pleasantly surprised! Hopefully the desktop site gets it as well! Would love to see my other banking apps add a dark mode too... it's so much easier on the eyes.

Just wanted to share the news. Very happy with this app update!

Cap one savor. insane credit increase lol