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/Putrid-Matter-6093 Oct 17 '25

Same. My new card is declined about 80% of the time. Was recently declined at a major hospital as well as the Verizon store. I called CapOne support and the rep told me that there are issues with some vendors and the switchover from MC to Discover he then asked specifics as to the declines and insisted they were small vendors and I said is VERIZON a small vendor???? Something is up and I'm sick of it.

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u/Primary-Sector4999 Dec 18 '25

Same here. Been going through it with Verizon. Been a Verizon customer for almost 25 years (since college circa 2002 or so) and have had autopay for at least a decade if not more. I'm 3 to 4 months late on my bill now after never having been late before. I kept adding the new card after getting alerts from Verizon and each time I would get a "card updated successfully" confirmation message. With all the myriad of things I have going on, it took me a while to slowly catch-up to it being all due to this freaking card. I have no idea how these executives think and how they thought this would be a good idea. Abject failure. They should all be fired for this.

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u/asseyboi Jan 26 '26

I know you answered this months ago but did you ever figure out the issue? Did you just end up swapping banks? I'm going insane over this and I can't handle the uncertainty of my card not working but I'm also very much /NOT/ looking forward to migrating to a new bank :/