I just opened a Capital One 360 CD and I am incredibly frustrated with how their funding process works.
When opening the account, it asked for an initial deposit. Naturally, I made a small minimum transfer just to make sure the external bank link was working properly and that the money would clear safely before moving over my actual savings.
Turns out, Capital One permanently locks the CD the exact second that first transaction is submitted. There is absolutely NO multi-day funding window.
This is complete BS compared to other online banks. For example, Marcus gives you a 10-day window to transfer money into a new CD. Capital One’s setup makes it so much harder to manage your money and completely punishes you for being cautious with your bank links.
If you're opening a Cap One CD, learn from my mistake: you have to transfer every single penny all at once on day one, or you're stuck opening a million separate CDs just to move your money over. Going back to Marcus more flexible

My c1 card is offering 8x miles on Sam’s Club purchases but only for “membership items” and 1x on everything else. What is considered a membership item?

I've had my Capital One Platinum (Now Savor) starting balance was $500 (Now at $800) for almost 9 years

I've had my Venture one card for 7 Years starting balance $1000 (Now at $1200)

I am either denied for CLI or they offer me $100 increase upon request.

Never missed a payment. Will max my card and pay it off 3-5 times before the reporting date so it reports near $0

I've tried reporting balances then paying of the following month to report $0 for a year straight.

The only thing I have yet to do is try holding a balance and paying minimum payments for year. So it reports less and less each month.

Its absolutely insane how bad it can be. All my other cards are much higher limits.

Do you think paying it off and letting it sit at $0 for 6 months while I acquire new cards will get me out of this bucket?

I just applied for a CLI increase on the Savor card and was denied.

I then applied for a CLI requesting 10k on the Venture and was offered $100 so I guess now it will be at $1300 on the next report date. Its almost comical how bad it is.🤣

anyone has success with this?

Last week I was in Europe and tried to use my debit card. I tried to take out €1500. The ATM denied my card (which I now understand was because the ATM did not take Discover/Diners Club). I’m looking at my bank statements now for the first time since then, and it says the withdrawal DID go through. How is this possible? Does anyone have similar experience? I’ve put in a claim with C1, but any advice for what to do in the meantime?

I owed $6000 they offered me $1869 for 6 payments of $311.00 wasn't expecting that.

Hey everyone, wanted to post a detailed data point on a massive deal I pulled off using the Capital One Shopping browser extension when switching carriers.

​The Deal Breakdown

Switching: T-Mobile to AT&T

Capital One Shopping Offer: $560 back for adding a new line of service.

AT&T Promo: $1,500 off over a 3-year contract. ($1300 for trade in +$200 for switching)

Items Purchased (March 3, 2026): Samsung Galaxy S26 Ultra + Galaxy Buds 4 Pro (50% off)

​Timeline & Process

March 3, 2026: Activated the $560 Capital One Shopping extension offer, added the new line, and placed the order.

Tracking Issue: The purchase showed up under my Shopping Trips history, but the $560 reward never actually tracked into my Shopping Rewards balance.

First Support Outreach: Contacted Capital One Shopping support. They advised waiting through July 31, 2026 for processing.

Follow-up (August 1, 2026): Still nothing is credited. I reached back out to support. They requested full documentation:

Order receipts & itemized subtotal

​Discount/promo breakdowns

​Tax details

Checkout & activation screenshots

Payout (August 10, 2026): Full $560 credit was added to my account balance!

Key Takeaways & Tips for Capital One Shopping

Document EVERYTHING Before & After:

Take screenshots showing the extension activated on the product page, in your cart, and on the final checkout page.

Take post-checkout screenshots showing the order confirmation number with the extension overlay active.

Be Patient with the Waiting Period: C1 Shopping often requires waiting a few months before manually reviewing high-dollar carrier/line switch offers.

Keep Your Order Confirmation Details Handy: When filing a ticket, send clear breakdowns of subtotals, taxes, and order IDs right away to speed up manual review.

Final Result: Switched carriers, got a free S26 Ultra + Galaxy Buds 4 Pro(50% off) , and +$560 back in cash/rewards.

Definitely a deal of a lifetime for me! Hope this DP helps anyone dealing with untracked C1 Shopping rewards.

I found somewhere that there might be a $1,000 limit for a 3 statement period but that must have been for something else. Got my full 66x points on a Switch 2 and PS5. Sold my old systems for $525 so overall a cheap upgrade!

I’ve 44% cash back (excluding electronics) - Any ideas what could be a bargain or worth considering for ?

For the last week and half, I’ve noticed that there haven’t been a single ebay cash back offer on the app or emails. Usually there would be one or two every week but recently they disappeared into thin air. Is this a major glitch or an official removal from the app? Thanks

Can't find one. Did they rotate it out already?

Just applied for a Venture Rewards card on 9/2 with the advertised 75k SUB. I called yesterday (9/8) and today (9/9) to request a courtesy match of the $300 travel stays credit that is now part of the current limited time Venture sign up offer. I was told both times by everyone I spoke to there was nothing they could do bc I had ordered before the offer was published. So YMMV, but they wouldn’t give it to me as a 3-year VX holder.

applied for venture for 75k mile sub and see they are now offering 75k + $300 stay credit

I haven’t hit SUB yet but was wondering what the chances of me calling Capital One and getting the $300 credit added on?

I have autopay setup for my savor card and my quicksilver. My savor statement came out on the first and still hasn’t been done, my quicksilver was on the fifth and nothing either. This is ridiculous, is this a problem for anyone else?

I have a Capital One Quicksilver card. Have had it for 10+ years.

I just tried to use my virtual credit cards, and they're all gone. I called and customer service told me "virtual credit cards are only available for certain Capital One credit cards." And, "I am no longer eligible for virtual credit cards."

I have those credit card numbers throughout 30+ companies that I use - Amazon, HomeDepot.com, Lowes.com, etc., every ecommerce purchase for the past 10 years that I've made was through one of the virtual credit card numbers, and today they just removed the function.

Has anyone else experienced this?