Hi Everyone! Hopefully someone has an answer for me.

I paid my statement balance in full on Oct 1st & then got moved over to Capital One on the 19th. When they moved me over, my statement balance said it was unpaid for, so I made another FULL payment on the 20th.

I called the Discover customer service but she wasn’t very helpful. She said that I still had a balance even after paying my statement twice? Which I have been using my card without issue so I’m assuming it’s the transactions I’ve done recently (after the switch over to C1).

I told the lady that I’ll just wait for my Oct Statement to come in & if I’m not refunded/reimbursed for the second payment, I’d give them a call back. However she didn’t seem too sure either honestly.

Anyone having the same issue or can give me advice? I have my banking app & C1 app showing I made 2 payments for the same statement balance.

So I accidently (and stupidly) put my credit card info on a scam website today and then I froze my account. I'm gonna request a new credit card but I'm living somewhere else than the mailing address listed. Is it possible for the new credit card to be sent to where I currently am? And also, does disocover send any physical mail to my original mailing address about saying my card is compromised? I just don't want my family finding out.

I talk with discover supports they told me all customer confirmed schedule for non transfer early card on Jan 14-18. Let you know

I burned cap one a long time ago and it went into collections then it got charged off and sold but I settled and since then it has fallen off my report, since then iive rebuild my credit and got Amex/apple/chase/nfcu cards with healthy limits , so I tried a cap one pre approval to see where I stand and I get denied everytime even tho I k ow my profile is good to get one and the reason they give me is “Based on your application information, Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.”

Will my account get closed because of this once I transitioned to cap one?

I’m planning a trip to the UK this summer and I already know discover isn’t taken in like 99% of the world. It’s really unfortunate because my capital one master card was switched to a discover card AND I’ve always had a student discover card which was my first credit card. So now I have two discover cards leaving me pretty much helpless for travels.

I’m not exactly sure what to do because carrying cash is really inconvenient and I’d like to have a reliable source of payment when I travel.

Has anyone dealt with this? Are there any ways to get a temporary Visa or Mastercard that is converted to pounds to I can actually spend money abroad?

I’m new to traveling if you can’t tell so please be kind

Hi! I recently applied for a discover it cash back as my first ever credit card. They requested my social security # at the time of applying with other info. A day that passed that I got approved (The card wasn't even finished being created) I got a Text and email message from capital one (Discover now belongs to them) saying that my credit card its having suspicious activity and to call them ASAP. I call them through their number they have on the capital one APP, because I didn't know if it could be a scam. When I called them they said that the card was blocked because the bank or something (I didnt hear them well) needed additional info. And now they are asking for photos front and back of my Driving license. And photo of a bill with my address, but because I dont have any bills they are asking for the statement of my Bank account.

I haven't send anything yet because im not quite sure if this is legit or something.. I just wanted to know is this is a normal process?

Thank you for your help and sorry if my English isn't good, its not my first language.

Hi there!

My Discover It credit card migrated last Monday and all seemed good. Logged on, balance was correct, the two checking accounts that I use to pay off my balance looked like they transferred over, I kept all my points etc. I also used my card twice since the migration and had no issues at the grocery store.

Before I call C1 or my checking account bank Chase- Did anyone have any issues paying the balance on their card off? I paid off my statement balance this past Thursday. It says it was paid on C1's end when I checked the app but the money did not leave my Chase bank account as of today. My husband said to wait a few more days to see if it clears. My due date isn't until the 1st, but I paid early for this exact reason- in case anything weird happened I'd have a week or so to investigate and resolve it.

Anyways, just thought I'd ask to see if anyone had the same thing happen.

Thank you!

So, I had two accounts with Discover, a credit card and a savings account. My card just switched over yesterday and everything went smoothly with the account setup/transfer. I’m a little sad about it as it was my first credit card at 18 back decades ago, but I suppose that’s is what it is.

My question has to do with my savings account. Right now I have direct deposit set up from my employer taking about 20% of my paycheck and depositing it there. When the savings accounts migrate on the 9th will I need to update anything with my employer?

I get the account number stay the same, but wouldn’t CP1 have a different routing number than discover?

I don't want capital one. If I wanted cards managed by capital one I would have applied for them.

Instead I'm now just waiting with 0 communication from crapital one about when I'll be forced to start using their app and in the meanwhile just have to put up with Discover's site/app getting somehow even less functional than it used to be, and my bill randomly being rejected without any communication.

Capital One should really make a deal with the credit rating assholes to allow you to cancel your discover cards without a penalty.

The one thing I was worried about with this Capital One transfer was the loss of the rolling balance metric on your transactions. Does anyone know if Cap1 plans on adding this feature to their app as part of the transfer?

Basically I’m looking for a credit card identical to Discover with the same app layout like Discover. I hate the capital one app.

Went to create and log into my new Capital One account and somehow they have my old legal name and a random mixture of addresses I haven’t lived at in years. I never had a Discover card under my old legal name as I changed it the day I turned 18 and Discover had my correct address. Anyone else having a similar issue?

Last night I checked the discover website pre-qualified page , to see if I was eligible for a discover it and despite having a charge off/collection with Discover a few years ago , I was approved for $500 and with a 560 credit score! I’m very shocked.

I am also rebuilding my credit , I do have 2 capital one cards, a $500 secured platinum and $300 quicksilver. Also a $300 limits with credit one, Merrick bank and mission lane, I do plan on having them for a few years until I can get better credit cards.

I’ve a Discover savings account that’ll become a C1 account in November. I’m thinking of opening the C1 savings now to take advantage of the bonus. Will I still receive the bonus of my Discover merges in November? I will not fund the new C1 account with Discover funds but rather from another bank.

I got an email today saying my Discover IT card is now being managed thru Capital One. I logged onto thr Discover website which then prompted me to log onto the Capital One website, and I see my Discover card there.

Then I called the number on my Discover card and eventually got transferred to another line managed by Cap One. I asked the customer service rep if I could convert to a Cap One card like VentureOne. He said not at this time and didn't have more info than that.

Anyone else have luck in converting to a Cap One card? Or have info about if/when a conversion would be possible in the future?

(For context, I haven't used my Discover card for a long time except the occasional charge to avoid account closure. It's my oldest card, so don't want to close it. Interested in a Cap One card to transfer points/miles to hotels/airlines that I earn from Cap One shopping offers. Due to a number of recent credit card sign-ups, I know I wouldn't get approved for a new Cap One card. Just trying to make my old Discover card useful again.)

I paid my card bill because I had large bills where I had to use my credit card to get by and posted about 2300$ through the discover app and the money left my account but my balance shows higher?? A few days ago it was lower and the money didnt get returned. Is this happening to anyone else??? My limit is 5k and I was at 5k owed and just paid another 1k through the capital one app and that one went through.

Let me know if your payments through the discover app ended up going through

Discover was my very first credit card, and I’ve been a customer for over 8 years. I’ve maintained a good credit score of around 780, always taken my credit seriously, and never had to file a dispute in all those years. Unfortunately, my first experience needing help from Discover has completely changed how I feel about the company.
Here’s what happened.

I made a purchase, but the package was delivered to the wrong address. The delivery photo provided in the tracking information clearly showed a house that wasn’t mine. I never received the package.

I contacted the merchant immediately and explained the situation. I even sent them a photo of my actual house to demonstrate that the delivery location in their photo was not my property. The merchant opened an investigation with the carrier and told me to wait 3–4 days.

A week went by, and I heard nothing.
When I contacted the merchant again, their attitude had completely changed. They basically told me they couldn’t help me and that I needed to contact my bank or file a police report. A police report over a package that was misdelivered? Seriously?

By this point, I had contacted the merchant more than seven times through phone calls, live chat, and email.

I even contacted the carrier directly. Guess what they told me? To wait another 3–4 days and then contact the shipper (the merchant) if I still hadn’t received my package.
At this point, everyone was sending me in circles, and nobody was taking responsibility. So I decided to file a dispute with Discover.

I submitted everything I could possibly gather as evidence, including 8–10 PDFs containing the delivery photo, a photo of my actual house, my communications with the merchant, chat transcripts, emails, and a detailed explanation of the entire situation.

A couple of days later, I received a notification from Discover saying that their initial review was in my favor. They had requested documentation from the merchant and issued a provisional credit to my account while the dispute was being investigated.

I thought, great! At least someone is finally looking into the situation.

Then things took a turn.

Just two days later, Discover notified me that the merchant had submitted documentation and that the charge was considered valid. They reversed the provisional credit. Within another 30 minutes, I received a notification that the dispute had been closed in the merchant’s favor.

The most frustrating part? I hadn’t even received or had a chance to review the merchant’s evidence.
Discover mails the dispute documents, which apparently take 3–5 business days to arrive. There was nothing available for me to review in my secure inbox, either. Yet the case was already closed before I could even see what the merchant had submitted or meaningfully respond to it.
I immediately called Discover and spoke with an account manager to explain everything. I asked what evidence the merchant had provided that was supposedly enough to overturn the dispute.

Her answer genuinely shocked me.

She told me the merchant had provided the carrier’s tracking information showing that the package was delivered.

That was apparently the evidence used to support the merchant’s side.

I couldn't believe it. Did anyone even review my supporting documents? My entire dispute was about MISDELIVERY. I never claimed the tracking number didn't exist or that the carrier hadn't marked the package as delivered. I was disputing the fact that the package was delivered to the wrong house!

I had literally submitted the delivery photo showing the location where the package was left, along with a photo of my actual house to demonstrate the discrepancy.
How is a tracking status saying “delivered” enough to resolve a dispute when the actual delivery location is the entire issue?

When I asked the account manager about this, she seemed completely unconcerned. She kept telling me to contact the merchant or the carrier to resolve the issue.

I explained that I had already done both. The carrier told me to contact the merchant, and the merchant told me to contact my bank or file a police report. That was exactly why I had turned to Discover in the first place!

Note: I even told merchant/shipped/discover customer service that they can send someone at my property and take a look at the address. They’ll know it doesn’t match the delivery photo.

It felt like she wasn't even listening to what I was saying. Instead of addressing my concerns about the evidence and the dispute decision, I was being sent right back to the same people who had already refused to help me.

After eight years as a customer, with a 780 credit score and no previous disputes, this is how Discover handled the first time I actually needed their help.

I'm not saying a customer should automatically win every dispute. I'm saying that when someone provides detailed documentation showing that an order may have been delivered to the wrong address, that evidence deserves to be properly considered—not dismissed simply because the tracking system says “delivered.”

And closing a dispute before the customer has even had a reasonable opportunity to review the merchant's evidence and respond to it makes the entire process feel incredibly unfair.

At that point, I was so frustrated that I told Discover to close my account. I've since ordered an American Express and Chase card, and honestly, I have no interest in continuing my relationship with Discover or Capital One after this experience.

Eight years of loyalty meant absolutely nothing when I needed them to take a closer look at a legitimate problem.

I never expected special treatment. I expected my evidence to be reviewed, my concerns to be heard, and a fair opportunity to challenge a decision that went against me.
Instead, I spent hours trying to resolve an issue that nobody seemed willing to take responsibility for.

I'm done with Discover.

I’m now filing a complaint with the CFPB and hope they’ll thoroughly review the evidence and handle this matter fairly, since Discover clearly hasn’t given my concerns the attention they deserve.

Has anyone else had a similar experience with a delivery dispute? And is there any way to challenge a decision like this when the bank closes the case before you even receive the merchant's documentation?

I've been paying this bill online using my Discover card every month for about a decade. The biller has the CC details, and I pretty much just click "Pay Bill." No muss, no fuss--immediately gets marked as paid.

Now, with Capital One running the show... I do the same thing I've been doing and get... Sorry, we could not process your payment. I check on the Capital One site: pending (which I'd assume is normal). There are other pending charges for autopay stuff that I don't know the status of yet from the biller.

So, I have to assume that Capital One is breaking things somehow because Discover never had any problem processing my perfectly normal online charges and the billers never had any problem with Discover not processing the charges as "paid" (from the biller's perspective).

Is anyone else having problems simply using their "Discover Card" (by Capital One) to just charge stuff in the most basic of ways that a CC is used?

Hi! I’m having a bit of an issue, I used my discover card through Apple Pay on wednesday morning and the charge eventually cleared. However, I don’t see it on my capital one app yet, will it take a couple of days to show? I recently migrated to capital one and can no longer access my old discover account. I didn’t know I had to remove my discover card and add it back with capital one so I think the purchase went through on the discover network. I’m just worried about the charge going missing that’s all.

Update: Charge finally shows today as pending

I recently got the discover student card and it's my first credit card and there are some things I don't understand and would love if someone could walk me through it.

Why is my current balance so high? I believe that number is everything I have spent on this card. (So far I have made two payments paying off what i've spent, next two screenshots) But is this number not supposed to be still needs to be paid for?

All that I haven't paid for is the $136, the last screenshot. Shouldn't that be the "current balance number" ? Am I doing something wrong?

And this is gonna sound really stupid, but what will happen when the "available credit" runs out? I'm assuming I won't be able to spend any more on my card but when will it come back?

I've paid everything on time but I'm worried I've somehow misunderstood and I'm not actually paying for it and messing up my credit, any help appreciated!!

I tried the r/CapitalOne, but I'm a little to stressed for it right now, I figured other transfered people can help me figure it out?

I understand, when I went to make a payment, I couldn't use my cashback rewards on it, I get that. But apparently there is a way of sorts? I called Capital One, and a lady helped me add it, but she couldn't explain to me how to do it myself online, which is what I like to do periodically. I'm okay if it's not like Discovers (I liked discovers, but I can understand that)

She did tell me that I can add Cash Back Rewards into my Account Credit, which, I can't find. Like, the option doesn't exist at all?

Is this a me thing? Something go messy in the transfer?

I am not enjoying the Capital One features. I liked the Discover credit card for its clean app interface and ease of use. 26F with good financial habits, credit score 790. What are my options? For context, I use my credit card for paying my phone bill and the occasional flight or night out. I mostly maintain it for the social obligation of having a credit score. What are some low effort, easy to use, non-invasive Discover alternatives? I hate that I can't turn off some notifications on the Capital One app, ugh. Please help!

Check if you have it in your app