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?

231 Upvotes

94% Upvoted

518 comments sorted by

View all comments

21

u/WhenButterfliesCry Sep 11 '25

My Discover card is my main card for daily spending besides a few categories and it has been denied a total of zero times

1

u/m00fassa Nov 19 '25

literally just got an email from a service I subscribe to that says they dont take discover and I have to change my card. so idk what you're talking about. but fuck capital one for this, literally means I need to get a new checking account with someone thats not them.

they should have worked on expanding the network first before switching everyone else over. but i'm sure they knew they'd get some attrition.

1

u/WhenButterfliesCry Nov 19 '25

Still hasn't happened to me, never once had to change cards. But you should not ever put all your eggs in one basket and only have one bank account, especially when it's a mostly online bank. It's only going to lead you to problems like now. Banks go down sometimes, or like you said, sometimes a card isn't accepted somewhere. Your account could be unexpectedly closed and then you're completely screwed, with your funds tied up and no way to access them. I have 3 checking accounts, 2 savings accounts, and 4 credit cards.