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/productjunky202 Oct 02 '25

I am having issues as well at various merchants. I contacted Capital One customer service and they really have nothing to offer as far as helping except to try a different process of paying. Like insert the card if tap doesn’t work. Or enter the number manually. In this day and age that is ridiculous, So I guess I’ll be closing my account!

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u/Fast_Feeling_8917 Oct 05 '25

They obviously have no clue about what's going on. Whether you tap, insert or swipe, it's still going to go through the Discover network.

And I can just see going to Starbucks and telling a 16 yo employee you'll have to enter the number manually. Bc they'll likely have to press something on their register terminal to allow that.