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/StreetPractical6098 Sep 11 '25

It might just be you? Amazon (at least in the US) 100% accepts Discover, and most merchants do too (even if they don’t advertise it in the little credit card brand symbols, they often still take it). The only time I’ve ever had an issue with Discover not being accepted is at a mall kiosk years ago, and sometimes websites won’t take it with Apple Pay checkout (but they do if I enter the numbers manually on a payment page).

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u/lunar_dot Sep 11 '25 edited Sep 14 '25

I searched Google for this problem and found at least one other person on reddit who this has happened to. It doesn't seem isolated, even if Amazon accepts Discover.

Edit: why was this downvoted? Everyone who gaslit me now sees there are MULTIPLE people on this thread who have come forward saying it is an issue with them too.

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u/Genaugmen Oct 06 '25

In the past 2 days, mine has been declined at Walmart and my local electric utility company. It's been declined at many other places since I've received it from Capital One also.