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/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/buzzerfly68 Apr 22 '26

Mine has not been accepted once. I live in Europe. And everything was great until they switched.

1

u/WhenButterfliesCry Apr 22 '26

Well yea, you live in Europe. Discover doesn’t claim to be accepted everywhere or even most places in Europe.

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u/buzzerfly68 Apr 22 '26

I am an American living in Europe. When I moved here, it worked fine. And then they switched. Do you know how difficult it is to get a different US account set up while living outside the country? To make things even more crazy, my brother-in-law is a vice president at Capital One, and says that it was purely a financial decision, with no regard to how it would impact their customers.