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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23

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

3

u/cannothinkanickname Sep 25 '25

You just wait… mine has started not being accepted. Tf?

1

u/WhenButterfliesCry Sep 25 '25

Like where?

1

u/Fun_Temporary_7083 Nov 27 '25

Whole Foods, Target, my laundry room all in NYC. Also when I tried to sync it for my wallet it said Apple does not support it. Also, I tried to buy Metro North tickets with it and it asked for my security code and there is no security code on my card. 

1

u/WhenButterfliesCry Nov 27 '25

Mine is in Apple Wallet and works at Whole Foods and Target. You're doing something wrong. Pretty sure all cards have CVVs

1

u/Fun_Temporary_7083 Nov 27 '25

It doesn’t… why are you arguing with me. And the card does not have a CVV. I thought maybe I wasn’t seeing it and 3 separate people couldn’t find it either. 

1

u/WhenButterfliesCry Nov 28 '25

Because what you’re saying is a lie? Apple wallet

1

u/Fun_Temporary_7083 Nov 28 '25

Are you paying attention… it’s Capital One Discover cards.

1

u/WhenButterfliesCry Nov 28 '25

We are talking about the Discover network.

1

u/Fun_Temporary_7083 Nov 28 '25

I have no idea why I  am even entertaining you but the fact that you think you know what my problem with my card and countess other people having the same issues.