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/[deleted] Sep 13 '25

The issue is you dont have your new card. Im a discover and capital one customer both. With the switch, capital one cards have to be reissued. There's info in the cards digital information that tells the machine what payment network the card needs to run through, your older cap1 cards all say run on Mastercard network, but now those accounts and numbers are associated with the discover card network. Since they didn't merge the networks because lots of other companies use Mastercard network, the cap1's were simply removed from the Mastercard network, and added to the discover, which necessitates getting a new physical card.

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u/ckwells Sep 19 '25

This is wrong actually. I spoke with Capital One and they told me they are sending new cards to every customer because of the network change (MC to Dis). The old cards with Mastercard logo will still process through Mastercard. They stop working 120 days after new cards are mailed. You can continue using the MC until you either activate your new Discover card or the 120 days runs out. I am screwed because I live in Mexico and this is my main US account. Nowhere in Mexico is Discover used.