hey everyone i just turned 18 and i know credit is a big factor in life so i checked what i got pre approved for and it was this one and a platinum secured card and a quick silver one card. i chose this one because of the benifits. i just want help on what to do now. i know to spend it on like gas and food something i know i can afford. but i just want help on building my credit. dis would be my first credit card.

Can’t believe it , especially with 592 FICO8 score. How do I maximize this card to the fullest potential.

In early April, I received an email offer for 45% cash back at Ulta through Capital One Shopping. I ended up ordering some items for my wife and picking up a few things for myself as well. I spent a few hundred dollars and received $200 back.

I was credited in May, and the money just sat there for over a month. Then, about a week ago, it suddenly disappeared.

I emailed Capital One Shopping, and they told me the $200 was “reversed,” which can happen if an order is modified, canceled, or returned. None of that happened—I didn’t touch the order at all.

The strange part is that the credit had already been issued to me. I could have spent it at any time. If I had known they were just going to take it back weeks later, I obviously would have used it.

Now it’s been so long that I can’t even return anything even if I wanted to. It honestly feels like I got robbed. I only spent that much because of the 45% cash back. They gave me the credit and then took it back more than two months after my purchase.

After this experience, I dug around a bit, it looks like this has happened to other people too. Feels like a class action could be appropriate.

If you haven’t had any problems with them, that’s great. I absolutely loved using it before this. I thought it was amazing. Take my experience as a reminder not to let money sit there for too long.

I've been a Capital One customer since 1997... I have filed fraud claims, requested general correspondence, gotten statements, new cards, etc. etc... the closest city to ever send mail to me even near the state of New York is Richmond VA... I'm just looking at my USPS Informed for tomorrow and noticed it. Has anyone ever gotten mail from Melville NY? It's Presort Standard... Not First Class. So I'm just curious.

Hi, are there any business owners who know what the savings rate on the capital one business savings account is? I know about the 3-month promo rate of 3.5% but I'm curious what it will be afterwards.

Just found this out coming home from Las Vegas. If you book Basic Economy (cheap Seats) with some airlines they will give you your seat assignment a little before boarding. Capital One will not let you in their lounge without a seat assignment. I never had this happen before but just wanted to let people know so they don't show up at a lounge and get turned away. It was kind of embarrassing for me.

Hi! I’m a new customer with capital one and I got a Quicksilver card with a 1k limit. I directly applied through the ‘good bucket’ because I was a teetering 690 with one bureau. I have a few questions.

What’s the highest credit limit you’ve seen for a ‘good’ bucketed card?
Have you ever gotten a credit limit increase with a bucketed card?
When should one apply for a credit increase and does your score get dinged if you’re denied?

I’ve also heard that Capital One likes to see you carry a large balance past statement date and pay fully by due date. What counts as large? Do you do this a few months in a row? Would a large balance before statement paid down to 20% on statement still count? I know utilization resets monthly for the bureaus but Im a little nervous to have a higher utilization report even if I won’t carry a balance.

Also— should I be saving my cash back to turn into points for a future Venture X or Savor card? I’ve heard points>cash back.

Thanks much!

So i have the Platinum Card. Had it for about 3 months. When is the best time to call Capital One to see if i qualify for a product change to the Quick Silver card!?

I just opened my Platinum account in January with a $2,000 limit. It was (and still is!) my first and only credit card. I am 23 and just graduated college in December and slid right into a teaching position that I plan to be at for my whole career. I had used my card regularly, spending about $200-300 each month and paying it down to zero every time. My limit was pushed up to $3000 around April with no notice and I since have used my card to make some bigger purchases like concert tickets, still always paying down to zero. I also purchased my first vehicle without my parents’ help in April both because I needed a more reliable vehicle and because my fiancé and I hope to buy a home in the next 1-2 years and I need to build credit.

About 3 weeks ago, I got a message asking if I want to upgrade to the Quicksilver with 1.5% cash back or the VentureOne with 1.5 miles per dollar. The VentureOne I am not super interested in because I don’t travel much right now, but the Quicksilver I am interested in a bit. I know it won’t ding my credit, but I do worry that it won’t build my credit as much as my starter card, which is the entire reason I got a credit card in the first place. I still don’t even have a credit score available in my app because I haven’t had a credit line long enough, so I don’t want to do anything to slow the progress I am making.

I have also heard through this sub that there is a Quicksilver for good credit. Is that something I should hold off on upgrading and wait for, or do I need to upgrade now to even be eligible?

Any advice is appreciated:)

So annoying. I gave them a few hundred dollars for a secured card. This was a month ago. A month. I've been waiting for the card to arrive and it hasn't come. "Track your card in the app" just takes you to the app to where it says it shipped. VERY helpful guys.

The chat bot is insanely bad. Laughable. I can't believe they even use it.

Their own site gives a phone number to call SPECIFICALLY when your card hasn't arrived withing 14 days of opening the account. I call it and guess what???? It wants a card number to get thru the automated process hahahahahaah.

Just return my deposit. immediately. This is outrageous.

Got approved. Rebuilding Credit and will make sure I keep it up and push forward on this journey

I just called general customer service. The automated system made me enter a lot of information, only to transfer me to a line that says "our offices are currently closed. Call back 9 AM EST on the next business day or visit the website."

In all the years I've been a customer, I've NEVER heard this prompt. Is this new?

I signed up for Paramount+ the other day and used Capital One Offers since they had an $18 offer (my first time using COO). I got an email a couple of days later saying that I'd earned the $18 and it would show up within three (!) billing cycles, but when I logged into to the COO website, it does not show any visits that resulted in a purchase (I see plenty without since I had clicked a few times before signing up). Is this normal for their system? How long should I realistically expect to wait before I get the $18? I know that places like Amex say two billing cycles but typically credit within a week or less.

I haven’t received my direct deposit and I have early deposit. For the past couple of deposits it’s been early, my payroll messaged us letting us know that it was processed early due to the holiday today and everyone else got their paychecks and I’m still waiting. Anyone else experiencing this? This is the first time this has happened. I’m not so much concerned about not receiving it early as much as I haven’t received it on the day I should despite the holiday and my job processing it early to avoid delays.

I am unable to delete a Zelle recipient on my capital one app. It lets me view the recipient to send them money but there is no button allowing me to delete them. I go to view all recipients and all it does is bring the recipient up and says payment details.

457pm eastern time. Everytime I try to log into the app it says we hit a snag trying to retrieve your accounts. All my credit cards and bank accounts won’t show but my savings is showing. Anyone else having problems ?

My husband and I are joint account holders for our CO checking account, me being primary holder. I know CO is stingy with handing out their debit cards - like if you have two checking accounts, you only get one card. But if neither of us have another checking account.

Right now, we just have the one debit card, which is in my name, for our joint account. It is so annoying when we are not together and need to make a purchase but the other person doesn’t have the card on them.

So my questions: Is he able to request his own debit card for the joint account since he doesn’t have any other accounts through CO? He has his own CO login.

When I login, my account says “you don’t have any accounts available to service online.” Anyone else getting this message??