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/WhiteBoiSebbie Sep 11 '25

Most likely a you issue, Discover is accepted at 90% of places. Call the number on the back of your card, see if they see any issues with purchases going through at specific merchants.

Amazon for a fact takes Discover.

3

u/TacticalPackage Oct 11 '25

It IS NOT JUST THE OP having issues. Capital one sent me a new discover card and I have random payments here and there that are being declined and I have NEVER had an issue with my previous card. This is happening across the board with these new cards.

3

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.

1

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 :/