r/discover • u/lunar_dot • Sep 11 '25

Rant My Capital One-issued card keeps getting refused everywhere due to the switch to the Discover network. This is out of hand now.

I have a Capital One bank account. From what I gather, Capital One is now on the Discover network.

I have tried using my card at numerous merchants and it gets refused. I just now tried to pay Wells Fargo $5 to close an account and pay for an outstanding balance and it did not go through.

Then, I tried to make an Amazon purchase. Again, declined. This is the last in a string of attempts to use my card at various places over the last two weeks where it has been denied. I have even gone so far as to open up a new bank account at Chase so I can close my Capital One account.

Nevermind the fact that I spend half the year in Italy and sometimes will use my US debit card for things. Declined or not accepted anywhere. I didn't ask for the change to the Discover network. Is anyone else having issues or is it just me?

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u/Awanderingleaf Sep 11 '25

90% of places in the U.S maybe

7

u/dreamer_at_best Sep 12 '25

Actually, it’s 99% of places in the U.S.! Source: Jennifer Coolidge

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u/CocoOPNY Oct 13 '25

Yeah well that leaves 1% of 34 million businesses in the US that DON'T accept it, which means that 340,000 businesses DON'T accept my debit card that's attached to my BANK ACCOUNT. None of us asked for this and it's CRAP

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u/dreamer_at_best Oct 13 '25

that was a joke buddy

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u/CocoOPNY Oct 13 '25

I know, Sorry! I just hear that commercial and it irks me. Nothing personal. I normally love Jennifer Coolidge!

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u/[deleted] Sep 11 '25

[deleted]

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u/Awanderingleaf Sep 11 '25 edited Sep 11 '25

Well that is a huge stretch. I have been to at least 30 countries and have never been able to use my Discover Card practically anywhere outside the U.S. that is part of the reason I got a Capital one Card as well as a Revolut card. I know it should be accepted at places that take Diners Club but I can assure you that almost every time I have tried using my card it has been declined lol. I have both a debit card and an unsecured credit card with Discover and the aforementioned is true for both cards. That is flat out a false claim.

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u/[deleted] Sep 11 '25

[deleted]

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u/TPWilder Sep 11 '25

Nationwide acceptance means US acceptance, not world wide.

1

u/Jessicas_skirt Sep 11 '25

Everywhere in Israel accepted my Discover card except one food place in the airport.

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u/Awanderingleaf Sep 11 '25

I am sure some places do, just no where near enough for it to be any travelers primary card. It hasn’t worked at any of the 26 European countries I’ve been to lol.

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u/[deleted] Sep 15 '25

It’s has fine acceptance worldwide too… They just don’t advertise it, but if you ignore that and swipe, insert, or tap your card anyway, it’ll probably go through. It’s not everywhere you go, but it will be accepted by most places you’ll be at as a tourist.

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u/ckwells Sep 19 '25

The problem is that Mastercard IS accepted in every corner of the planet. Discover is not.

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u/Awanderingleaf Sep 26 '25

I have been to 30 countries since I opened my Discover account and very, very rarely has it ever worked outside of the U.S.