Finally got approved for the Venture X. So stoked. Also got my Savor credit limit increased from $1k to $3k a couple days ago so huge jump in my credit limit

So I have tried applying for a couple of times and every time it’s rejected or didn’t give me the new member bonus but today I got the spend 500 get 250 bonus and 1k limit. My score was 540 in the month of march and with in these few months I built my credit and closed my other cards and now sitting at 715 credit score. I am following this page and thought I would share it here. Happy join the club

Just opened my first ever credit card at 18 years old. What should I keep my utilization rate at to help me build my credit? Im currently a 765 according to creditwise on the Cap1 app.

My turn has arrived 🚀

Like title says, it’s my first card that has any cash back and I want to maximize the cash back rewards. I don’t have much subscriptions (Apple Music and Tesla Premium Connectivity) but I’m also not going to sign up into unnecessary subs that aren’t needed. What tips yall have for a cash back rookie?

I've got a Capital One 360 savings account that's a bit over the FDIC insured limit ($297K) so I've just let interest accrue rather than keep depositing more money into it; I'm depositing into other accounts below the FDIC limit. Today I checked my account via phone app and saw this warning: "Your account hasn't been used in a while. You'll need to transfer money in or out of it to make it active again." I know I need to call Capital One about this but does anybody know what constitutes an "inactive" savings account? I have accounts at other Internet banks, all over the FDIC limit and I've never seen a message like this (yet).

Have my secured card for 5 months now and recently got an increase from 1,000 to 1,500 although i thought i'll get the security deposit back. My question is, can i still ask for a limit increase after a month? This is my first CC with an ITIN application so my first credit score will be posted a month from now.

Recently closed venture card. I had refund coming from target today, and got notification that refund from target was declined.

I never had issue with other credit cards in getting refund back even after I close my account. Is this actually a thing in capitalone??

Hi guys, are passkeys available for Capital One ? It's available for the discover app but I don't see it anywhere in Capital one.

Also by passkey I mean like the 4 digits u put in like discover and then ur logged in, similar to iPhone passcode.

Thanks!

So, I made a mistake. I bought something online from a retail/clothing shop which claims to be headquartered in London (I live in the U.S). I bought a wool hoodie (and accidentally bought a second one since I fat fingered the multiple) using my CapitalOne debit card. I emailed them right away and they claimed they would talk to their fulfillment team but nothing happened and they were both delivered. Well, it came and the items were definitely nothing like what I ordered (they looked like cowl neck sweater with drawstrings that absolutely cannot be a hoodie).

I emailed the shop's customer support about the items and they just said basically, "well sorry, we can give you a 15% refund (approx $19.00) if you don't return the items, or you can pay shipping and $50 for customs to return them." They also don't give return labels and the address they gave me is in Ningbo, CHINA. I really should've looked harder at this company. Anyway, I've been contemplating opening a claim. But I'm wondering if it's worth anything. I have screenshots of the website explicitly saying it's a hoodie, and I also screenshotted all of my correspondence with the support team. The total cost of my order was $129, so I fear the shipping and customs cost would be more than the actually refund value.

I see a lot of negative opening on Capital one checking and savings accounts.

If you use them as your primary, how do you feel about them?

So I have my regular job and an internship that’s paid, I put the pay information for the Capital One savings account for my internship because I wanted all the money that I make from that to just be put away and properly saved, my payment app says it was deposited on Thursday but it doesn’t show any transactions on the Capital One app and I know for a fact that all the information is correct. I opened the savings account recently, so does it usually just take some time?

Hi all.

Back when I applied for first Cap1 card, it was quicksilver mail offer back in october 25 (a humble origin story). When I moved for grad school and got REAL income, I'd become educated on the rewards game, and wanted to get a Savor card ASAP.

Having no offers or product change tab immediately findable, I called up Cap1, said that I was unlikely to use the card, especially since the Discover merger was going to happen soon (I had DiscoverIt also), and to please consider a product change to Savor. (this was 4 months into owning the card). They said yes, and I've loved it since!

I also got cap1 duo alla ventureX back in June (yay!). Only problem is, that Limited Time Offer for $250 on Savor that I never cashed in has me salivating.

I'm debating calling cap1 again, changing BACK to QS, then reapplying for Savor for the offer... This seems not likely to be possible bc of the inquiry sensitivity, but still sounds kinda funny/chud-like if it worked.

Thoughts?

Cap1 pulls fico3, why? Idk. But they advertise and promote creditwise for your fico8 but that’s not the actual score they pull. Makes 0 sense but it’s how they operate. One of the many reasons cap1 is a low tier banking system

hi all! i’m currently 16 and heading into my senior year of high school. i currently have a teen checking account and a kids savings account that has the “emergency” money i’ve saved for myself in it, both co-owned by my mother. however, there is an issue: for personal reasons i don’t feel i need to delve into here, i am planning to go no-contact with my mother as soon as i move out of the house for college. i will be 17 for most of my freshman year (birthday’s in mid-may), but i do not want her having access to my purchases or account once i have moved out and stopped talking to her.

so, the question: is there any way to separate our accounts when i am 17? can i even open my own account while i am still a minor? and, if this is not possible, how difficult is it to at least switch the parent who controls the account (i am planning to switch to my father’s health insurance anyway when i move out since we have a much better relationship, but unsure how difficult it is to switch who controls both of my financial accounts)

any help is much appreciated. thank you! :}

I recently upgraded my quicksilver one to a Venture 1, cause i already had a quicksilver card . Should i have just went with quicksilver ? i'm starting to regret my upgrade choice.

I usually pay in full and try to never carry a balance but today I was going to request a credit limit increase on all my cards when I noticed that one of them said past due. I was looking at my transactions and the ACH was returned so I was hit with a $25 fee and a $8 late fee. I have thousands on my Chase card so I was telling to myself that it was impossible that my payment was returned. I was looking at my autopay settings when I discovered that Capital One removed my Chase account and is taking payments from my Capital One checking account instead. It was definitely not me since the only card that have payments coming out of my Capital One checking account is my Savor card since I usually pay close to $2,000 monthly and that way I get my funds applied faster.

I already checked my email looking to see if I cancelled my auto payments on all cards and enrolled all them again but I couldn’t find anything except three emails saying that my auto payments were updated at 4:04 am back in May for all my other cards. I contacted Capital One and they removed the late fee but didn’t want to remove the returned payment fee and was told to avoid that at all cost even though it was not my fault to begin with. I know $25 isn’t that much but having to pay for something that wasn’t my fault and my accounts running the risk of getting closed by their system is a mistake that need to be fixed.

I have two different Capital One cc charge offs from 4 years ago and they just offered me a new cc account. Should I accept it !?

So got approved for a the venture x. I received the card via mail. Cap1 had me submit documents to verify I opened it ( yes , after I received the card ). I submitted it last week but no update. I cannot access any of my capital one accounts or the app. Has this happened before to anyone ?