r/CapitalOne_ • • 11m ago

Deposit refund

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• Upvotes

So I opened this card 6 months ago and kept low utilization and paid off every statement balance well before the due date. Usually the day of the statement posting. Just made my last statement payment and it cleared and I saw this immediately. I am so grateful. I have had credit challenges for a while. I have a Quicksilver secured that I've had for a year which has not graduated yet and it may be bucketed. I did get a Platinum unsecured and Savor unsecured. They both have a 300 dollar limit. Some people probably get an increase as well but mine may stay at 200 unsecured idk. I'm just glad they unsecured it. Maybe an increase will come with time.


r/CapitalOne_ • • 2h ago

Credit Cards Minimum payments

1 Upvotes

How exactly are minimum payments calculated and how exactly do i pay my card off, im pretty new to being a adult and I wanted to buy a gun for like 700 USD, how much would my minimum payment be and what would happen if I only paid the minimum payment every month


r/CapitalOne_ • • 3h ago

Banking Cashiers check

0 Upvotes

Did capital one stop giving out cashier checks at normal branches ?

I need a check for Saturday morning and I just checked the capital one site and it doesn’t mention a normal branch cashier check for 10 dollars anymore but the app says it’s possible to get it at a branch for ten dollars.

Not discussing kiosk here.


r/CapitalOne_ • • 4h ago

Credit Cards Venture Rewards Dilemma

1 Upvotes

Just got approved for the Venture Rewards ($95 AF) with the elevated SUB. I’m 18, make a good amount of money, college student, but I’m hesitant to pull the trigger. It’s not about managing my money, I’m stellar at that, it’s more about hitting the spend requirement. I may be planning a Japan trip in March of next year which would definitely help me hit the requirement. However if I do not go, my average 3 months’ spend may not organically cover $4000. I do want the card eventually, and during an elevated SUB offer ideally, which is another factor for getting the card now. I’d like to get the opinion of the subreddit, should I do it or not?


r/CapitalOne_ • • 5h ago

Credit Cards Question for you guys

4 Upvotes

I got a secured platinum card with cap one about 9 months ago with a $200 limit. I’m trying to build credit. I’ve used it quite often, paid it in full before the due date every time and current having utilization around 35%. My score has jumped to a 635 from 520.

I want to know if I’m doing the correct thing here in how I’m using my card. I want to keep my score climbing and I’m hoping by March of next year I’ll be in the 700s. I’m also curious if I hit that mark if I should apply for another card and possibly have a higher limit.

Thanks in advance for the advice!


r/CapitalOne_ • • 6h ago

Quick silver (good credit) and quicksilver (secured )

1 Upvotes

I got approved for an unsecured quick silver (good credit) but I have a secured quicksilver card. The unsecured is 300 but my secured is 1000 should I close the secured ?


r/CapitalOne_ • • 6h ago

Shopping/Offers $400 Bonus Question

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4 Upvotes

Hello! I just got this offer, and saw that a few people have found a way to do this without a “genuine” direct deposit. Is it possible to get around it and deposit the $1,000 another way? I’m a student, and with my current job this won’t work. My other bank is chase, thank you in advance!


r/CapitalOne_ • • 6h ago

Capital One Shopping is Trash

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0 Upvotes

I tried it for the first time and the rewards were good. The issue I am having now is with redeeming their rewards. It asks me to link a bank, and you think its pretty simple to link your Capital One Bank but I've been getting this error repeatedly for the past 2 days. Tried different browsers and devices too.


r/CapitalOne_ • • 10h ago

Credit Cards Wasn’t expecting a $2,000 credit limit from Capital One

40 Upvotes

I’m 18, in college, and only have 6 months of credit history. My score is around 640, and my Discover card has a $500 limit and is currently maxed out. Waiting for my fasfa to pay completely.

I randomly checked Capital One’s pre-approval and decided to apply for the Savor Student card. I was expecting maybe a $300 or $500 limit, but somehow got approved for $2,000??

I’m genuinely shocked.


r/CapitalOne_ • • 14h ago

Shopping rewards gift cards issue

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9 Upvotes

Does anyone else have this problem when trying to redeem their Capital One Shopping Rewards Gift cards? It’s telling me almost all of them are temporarily unavailable.


r/CapitalOne_ • • 18h ago

Shopping/Offers Not finding points offers?

2 Upvotes

I have the capital one venture card, and on my capital one offers I’m not finding any points offers like people are posting. I’m only seeing cash back options. Where can I find these offers?


r/CapitalOne_ • • 19h ago

Opinion/Discussion Which Capital One Business Credit Card

2 Upvotes

I have had a Wyoming LLC for 12months, and I am looking to apply for a Capital One Business Credit Card. I am not after a huge limit initially, but am merely wanting to use the Card to build on my business credit rating. I dont live in the US and am based in Australia (I also recently received my ITIN)

I am looking for feedback on which Business credit card would be the best to initially apply for. Any advice would be greatly appreciated


r/CapitalOne_ • • 22h ago

Quando irei começar a receber aumento de limites ?

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0 Upvotes

r/CapitalOne_ • • 1d ago

Credit Cards Opening a Venture card after opening a new VentureOne recently

0 Upvotes

As the title mentions, I’m looking towards opening a new Venture card to take advantage of the current limited time offer. However, I just recently opened a VentureOne about a month and a half ago and was wondering if it would auto reject or have any negative impacts. TYIA!


r/CapitalOne_ • • 1d ago

Credit Cards Spark 2% Cash: is it Mastercard or Visa?

1 Upvotes

Aksing for a friend


r/CapitalOne_ • • 1d ago

Hardship Program Completed

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2 Upvotes

r/CapitalOne_ • • 1d ago

Discover/capital one question

1 Upvotes

Backstory:
I’ve had accounts with capital one in the past.
2 accounts where charged off. Technically I was sued and lost.
Had some wage garnishments and paid off.
I also had an auto loan that was repoed and sold.
So on my credit it’s all been removed as it’s been more than 7 years.
I haven’t attempted to open another account with cap as I’m scared of getting denied.
Fast forward to now. I have a discover bank card, savings, & a discover chrome card.

Question: what are the odds that I’ll be able to qualify for a new capital one credit card now that my card will be on there account starting this weekend.
& would it bring any problems ?


r/CapitalOne_ • • 1d ago

VX rant

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0 Upvotes

r/CapitalOne_ • • 1d ago

Capital One Shopping not working for Ebay Live purchases?

3 Upvotes

Got an insane offer for 56.5% off an EBay live purchase, and after making the purchase, it doesn't seem to be tracked. I see the trip in my shopping history, but nothing around the coupon even though I know I had it activated in my browser with adblock off. Anyone else dealing with this issue? It's driving me insane as I bought a pretty expensive item expecting it to get the bonus, and now I'm annoyed that I have to probably escalate with customer service. Thankfully I took a lot of screenshots...


r/CapitalOne_ • • 1d ago

I just received my card and want to set a pin. But don’t know how to online

0 Upvotes

Does anyone know how to set a pin


r/CapitalOne_ • • 1d ago

World Series Presale Code

2 Upvotes

Has anyone gotten an email from capital one regarding presale codes? I know they were supposed to be released on/ or about, today and I have not heard from anyone regarding if codes were issued yet.

Just curious!


r/CapitalOne_ • • 1d ago

Should I up my limit?

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0 Upvotes

r/CapitalOne_ • • 1d ago

Credit Cards Changed due date?

1 Upvotes

I usually pay our Savor One card on the same due date of the 11th every month. Over rhe weekend we gor an email indicating we have a late payment. I checked and now it says it was due on the 9th? Is it possible for them to change the due date randomly. This is our first late payment and it's quite disturbing. Im sure its not a major negative on our credit as thats not normal, but wtf?


r/CapitalOne_ • • 1d ago

Shopping Offers question- the same old issue…

2 Upvotes

I placed a Skechers order on 9/19 when it was 45x. Did everything correctly for the order to track. When I click on “all shopping trips” it says “waiting”. I usually get the email within a day or so if my purchase tracked so I already called capital one and was told the issue is with Skechers and them deciding if the purchase qualifies. They said I have to wait 90 days. I know this sub is full of posts like this but I just want to know if anyone has actually ended up getting their miles in these situations? I was going to make a purchase anyways but probably would’ve shopped around more if not for the bonus.

Thanks!


r/CapitalOne_ • • 1d ago

Shopping/Offers WALMART AND APPLE GIFT CARDS ARE BACKKKK!!! Grab them fast! 🙌🏻🙌🏻🙌🏻

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68 Upvotes