r/CapitalOne

Anyone else having issues accessing the app? I can’t use the app, have already updated, uninstalled and installed again, restarted my phone.. and still not opening. have already talked to capital one and they say there is nothing wrong. Anyone else had this happen and how often? Should I change bank? Thank you

Long story short, I do not have a capital one account, but I've received emails suggesting that I do. I believe either someone mistyped their email as my own, or I may be the victim of identity theft. Obviously, I'm looking to call the company to get this issue sorted out.

Unfortunately, their automated call systems seem remarkably stubborn, and insist that 1: They can handle the issue without a representative, and 2: I need to give them my account information to proceed. That would be fine and dandy, except, of course, I do not possess a capital one account, that's the entire problem.

I'll admit, I'm extremely anxious over the phone and have had trouble trying to brute force it. Is there any surefire way to speak to a human person about this issue? I don't mind having to wait on hold if that's necessary.

Hello. I currently have a bank + a couple credit cards with Capital One. I am planning on moving to Scotland in August, and I'm curious if I need to make new accounts with Capital One UK. Does anyone have some insight into what I should be planning on doing?

I will have a three hours layover in Denver, which gives an opportunity to try the capital one lounge. I am wondering how to handle the carryon roller when I am fetching food, leave it by the seat or take it with me.

I’m trying to access the Capital One Legal Portal to open up a case regarding an IRS levy, but all of the “legalportal.capitalone.com” links are broken. I’ve tried through their website, Google search, and through an automated Cap One email that directed me to the site.

Is anyone else experiencing this?

Hey everyone! Hope everybody is having a great weekend!

So I been scrolling through Reddit and this sub and I'm seeing people being granted very decent credit line increases. My question is how come my Capital One Quick silver is still only at $700 and my Quick Silver platinum is at $2000 after years of no late payments, under 30% utilization, and an upper mid level 700 score? What are you guys putting in as far as total annual income, how much you will spend with the card, and maximum desired credit line?

I'm extremly careful with all my financial decisions almost to border line obsession. 😅

Any help or advice would be fantastic. I just feel like after 4 or 5 years of it being where my limit is at on both cards I'd hope that by now the lines would have increased. 🤔

Thanks for your time and advice!!

Wanted to share my experience in case anyone is considering Capital One.

I opened a Venture card and put about $4k–$5k on it in the first few weeks. No issues at all. Then on 4/11 I get a text saying there’s “suspicious activity” and I need to call. I check the app and the restriction is legit.

I call immediately. Turns out it’s NOT suspicious activity. They just want to verify my identity.

Fine.

They ask for ID + utility bill. I upload both right away.

Then…nothing.

No email. No text. No update in the app. I check every day for a week.

On 4/17 I call back. They tell me my ID wasn’t valid because it didn’t include the full image. This was news to me, since no one reached out. I re-upload while on the phone. Then they say they also need the BACK of the ID. Again, no one had told me this.

I upload that immediately too.

They say they’ll follow up. Ask for my availability for a call.

No call. No update.

Today, I call again and basically say: I just need this reviewed and unlocked. Everything is submitted.

Response: “We understand, but you have to wait.”

No escalation. No internal messaging. No timeline.

I even asked if they could contact the verification team directly (Teams/Slack/etc). Nope.

Called again through a different line. Same result.

At that point I told them: if this is how it works, just cancel the card.

They cancelled it immediately. Cancelling, no problem. Helping, no way.

Anyone else experience this? I receive emails with special deals (6% off, 11% off, etc.), but when I click the link and go to checkout, the extension remains blank.

I tried clearing my cache, deleting browser data, etc. When I try to open it in another browser, the extension shows up but doesn't have the offer.

Anyone know what could help?

https://preview.redd.it/rw4ua36z55wg1.png?width=770&format=png&auto=webp&s=4a19a39ed0a3f8d620344963aad25434c7023a52

Hey all, got bit by what seems to be a business logic flaw in how Capital One processes (and automatically issues) Credit Balance Refunds.

As confirmed by a customer support person, it seems that if one has a credit balance (as in, a positive balance from refunds or making over-payments) at the end of a series of consecutive billing cycles -- regardless of card usage or how the balance fluctuates between those points -- a check will automatically be issued.

In my case despite having ~$600 in pending transactions made in the past few days and a bunch of transactions throughout each of the the previous year+ of billing cycles, a check has been issued to me yesterday for ~$60-some in credit balance.

This seems to be in contrast to Capital One's page Getting Payment Refunds page, so I wrote this up as a blog post here to warn others and share the specifics: https://nuxx.net/blog/2026/04/18/capital-one-credit-balance-refund-business-logic-flaw/

I paid on time. Got close biz spark cash and personal venture X. Damn!

Card Situation:

I am an AU on a Venture X account, an Account Manager on a Savor account, and a primary cardholder on a Venture rewards account. (Working towards a C1 duo in my own name)

Savor and Venture are my (and P2’s) cards and are informally pooling rewards, VX is a parent and keeps their own rewards.

I am looking for insights on how the rewards (miles, cash-back and converting between) work for me as I earn across these 3 different cards.

When I book travel through C1, do I get 5x on flights?

Would I have to use the VX to pay in order to get these rewards?

Do the miles generated from my use of the VX go into my own mile pool or that of the primary account holder?

As an account manager am I able to convert the Savor cash-back to miles in my (and P2’s) shared pool?

TLDR in essence I am looking to maximize rewards when booking through C1 travel until I can get my own VX, trying to see logistics on rewards allocation, and potentially earning the 5x on flights while actually paying with a different card and getting the miles myself.

Thank you (apologies for confusion)

I'm looking on the app and all it shows are atm machines. I'm looking to withdrawal around 5-8k which I don't think is possible at an atm. Any advice on how to do this?

Approaching the 30 day mark when the annual fees was posted. Does C1 refund the annual fees if the card is cancelled with 30 days similar to other companies? Reading mixed reviews about it. And apart from cancellation, the only other option is to downgrade to Savor One? Got the VentureX so don’t want to keep both cards. TIA.

Looking at the VX has a potential next card. What are the best flight redemptions you made from HNL? Whether domestic or international.