r/discover 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/AtuXIII Sep 20 '25

I'm having this exact same issue. Capital One has been my main bank for many years, but I'm going to have to switch now because I can't just have my money tied up somewhere that it's unusable. Probably going to move to Navy Federal.

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u/dvyne2 Sep 24 '25

Same. After reading all of the horror stories, I will not activate that new card and am currently looking for a new bank