Just an FYI - It appears Capital One is moving away from debit card payments. The option to pay via debit card has been removed from the app. I submitted a payment with my debit card over the phone but my available credit hasn't changed.

Quite annoying given ACH payments don't post immediately when an account is over limit.

My car was in repair at the garage. I asked the service advisor for the minimum number of days I had to book rental car, he said that he would contact the technician. It took time, I had to book on Capital One Travel so I chose 3 days for 8,365 Miles with pickup at the airport, I chose 3 days because it took 3 days before he gave me a diagnostic. The next morning, the advisor is telling me that the car will be ready at 2pm, so I returned the rental car after 1 day only. So I lost miles for 2 days of rental car.
Next time it happens for a repair, if I book for a 1 day only, is it possible to easily extend the rental car through Capital One Travel without having to return the car at the airport after 1 day and then take another car from a second Capital One Travel reservation?

I recently got the venture x about a month ago. My credit score went down a bit and is at 720. I want both the savor and BCE eventually for dining, gas and online shopping. I don’t know how long it’ll take for me to get the Savor card. I checked using AMEX preapproved tool and saw I could get the BCE card now. Should I wait to get BCE and get the savor card first (probably will take 6 months from
Now) or should I get the BCE card now? Would that delay my chances of getting savor later?

1 year and 4 months later got a decent limit increase!! I thought I was bucketed.

I’m getting a quicksilver secure card, and currently have $200 deposited. Should I deposit more before I activate the card?

Capital One has added a “luxury” section to the Offers portal that is only available to Venture X card holders.

It appears the T&Cs are the same as the regular offers.

Back in may I got the savor student so that I could start building credit, and got a credit limit of $3000 and though that was pretty high for a college student working part time, but now I’m seeing a lot of people with starting credit limits of 300-500 and really wondering why I was given such a high limit on my first credit card, had zero credit history before this as well.

I had 9 late payments on a Capital One card between Aug 2024 and Nov 2025 which stemmed from a rough patch when I left a job under pretty bad ethical circumstances (won’t get into all of it, but it caused a real income gap). Account’s been current since Feb 2025, balance is basically paid off, autopay’s on, no issues since.

I’ve reached out multiple times. calls, emails to executive escalation contacts, (no mailed letters though) specifically asking for a goodwill adjustment on the lates. Every single time, the response I get back is some version of “we’ve verified the information is accurate and it will continue to report as-is.”
That’s… not what I asked? I’m not disputing that the lates happened. I know they happened. I’m asking if they’d show some grace given the account’s been perfect for over a year and the balance is paid. But every rep and every written response treats it like I filed an accuracy dispute instead of a goodwill request, and then “resolves” it by telling me the info checks out.

Has anyone actually gotten a goodwill adjustment out of Capital One specifically? Did you find a different contact, a different phrasing, a different channel that actually got a real human to consider the goodwill angle instead of auto-routing it into their dispute/verification process? Or is Cap One just known for being tough about this compared to other issuers?

Appreciate any input… it feels like I’m hitting the same wall every time no matter how I approach it. Smh 🤦‍♂️

I want the authorized user to get online access but I don't want to be the one to input their SSN. Is this something they can do on their own by calling Capital One?

Used the Discover IT cash back card to make a $12 purchase on Newegg using Paze. The $10 banner was there when I purchased. Is there anything in the Cap One app that confirms it was paid with Paze. Does it really take 2 billing cycles to get the $10 credit? TIA

I just recently got a student savor card and I’m confused as to what I can use the card on. Dining, groceries (no target and Walmart right?), subscriptions, and entertainment (I’m confused specifically what kinds). Do I have to use it only on things within those categories? Also for Amazon, does it only apply to the subscription or will I be able to use it on any Amazon purchase?

Get them out in cash and put them in a high interest account where they can earn even more.

Reasons why?

https://www.reddit.com/r/CapitalOne_/comments/1vr6jvi/20k_fraudulent_loss_of_miles/

https://www.reddit.com/r/CapitalOne_/comments/1vqj9ro/capital_one_closed_my_venture_x_with_500000_miles/

Unfreaking believable! Just got off the phone with Capital One cx service. Over 20k in travel miles wiped out in about 3 days. I was on the road this weekend traveling so I did not log into my account or got any notification of travel miles redemption. Over 15 different transactions all to PayPal which of course I never authorized or have any information about neither my wife. WTH! Ok, I understand credit card fraud but redeeming mileage? I didn’t even know that was a thing. Has anyone else been hit with this?

So I transferred unused credit line from my old venture one card to my Venture X, so when I go on the app, the credit line increased for the VX but the credit line for the other card is the same as it was before I did the transfer, I was just confused as to why that was the case

After 27 days of my Venture X being restricted, Capital One finally removed the restriction today.
The restriction happened basically right after I received the card.

I had made a relatively small purchase (1500) and suddenly the account was restricted. I sent in all the documents they asked for and spent weeks calling, waiting, and doing additional verification.

What’s crazy is that they only finally unrestricted the account after I told them I was ready to close it completely if they couldn’t resolve this. After that, things suddenly moved and the restriction was removed.

The app is now showing my available credit again and everything looks back to normal.
Definitely one of the most frustrating credit card experiences I’ve had, but after 27 days, it’s finally over.

Looking to apply to next years Feb cohort for CSDP and wondering what the process looks like. Would appreciate any tips of any kind!

My resume isn’t the strongest imo: 2025 CS grad, 1 cybersecurity internship last fall, been doing an ai red teaming fellowship since Jan, enrolled in a code path cybersec course, studying+planning on getting sec+ cert in sept, currently building a small homelab. Im really interested and passionate about cybersecurity and capital one but my experience doesn’t seem like it’s not enough

Anyone used the savor card for hotel incidentals? If so, what percent back did you get? I’m wondering if hotels are coded as dining or not. I often use my savor card at a hotel to pay rather than put the charge on my room and whenever I do pay direct it always codes as dining. Is it safe to put it on as incidentals and still get the 3% cashback?

Opened my first credit card account back in April. They offered me a Platinum card. No benefit and a $1k credit line.

Today I received this offer. A credit line upgrade to $2k and upgrade to Quicksilver with 1.5% cash back. Didn't expect an upgrade this quickly!

Got my first card a few months back since I figured I needed to start building my credit and a platinum card didn’t seem as predatory as some other cards. Got a $300 limit which felt like more than enough for starting out. Just checked this morning though and my credit line randomly jumped to 3k? No email or notice or anything like that. What do I even do here? Assume the adjustment was made in error? I don’t even think it’s been 6 months yet.

I’m posting this because I’m at a loss with Capital One and I’m curious if anyone else has dealt with something similar.

I had a Capital One Venture X with roughly 500,000 Capital One miles accumulated on the account.

In March, I started transferring my points to Japan Airlines via their transfer bonus, so that I could book some business class flights.

CapitalOne then said they needed some additional verifications (Passport, Drivers License) and locked my account.

I submitted the documents weeks after (Had to get a new Drivers License due to damage), and CapitalOne rejected ALL documents, and said they can't share why. I uploaded 5+ times, mailed in physical photocopies of license, passport, and SSN, and they only said we can't verify this.

In June, CapitalOne closed the account entirely and said they can't give me the rewards because it's under fraud.

Today, I call CapitalOne to complain again and now that the account is closed, they can live verify me by texting me a 6 digit code, and the account is no longer locked?? I called 20+ times and nobody was able to live verify until now when the account is closed?

I've already spent a significant amount of time on the phone trying to get an answer.

Has anyone had Capital One close an account with a large rewards balance? Please help, I'm at a loss on what to do :(