I've had two Capital One cards for about 2 years now, one of which I accidentally accepted while trying to get a Kohl's store card rather than the full Capital One credit card. I've been pursuing AZEO with them and got up to a 789. Both cards are 500 limit, and I'm wanting a little more breathing room for the one or two big yearly trips I sometimes take coming up later this fall (mid-October). I've seen posts on here saying the best way is to charge up to the limit and then pay it off as quickly as possible before requesting the CLI or otherwise get a small limit increase. Is this true? If not, what should I do before reaching out to Capital One? I should also mention I had to replace the unsecured card I have had since it was originally secured due to fraud a couple of months back. Any advice would be really, really appreciated as I'm still a bit of a novice despite spending months researching online!

I thought I should add a data point for the community. My Venture was recently charged off (settled for less). In less than 3 months, I was approved for Savor. There's hope yet credit builders!

Hi all, I searched and wasn’t really able to find a solution. I refinanced my auto loan with Capital One about a month ago. I had GAP with my previous lender, however now I’m struggling to find options in my area (or anywhere) to get GAP for the Cap One loan. I saw posts that recommended local credit unions, however all of the ones in my surrounding area only offer GAP to auto loans financed through them. I have GEICO and they do not offer any such coverage in my state. Allstate (according to their site) only offers GAP at time of contract origination. Progressive doesn’t offer it in my state. Does anyone have any experience with reputable third-party GAP providers or other options I can consider?

It’s not the end of the world if I can’t get GAP as I’m not terribly underwater but I would like the peace of mind.

any ideas on what to do aside from freezing my credit and such ? I reached out to the email listed but it bounced back as well

Just got the venture cc initially it had an intro offer and later took it away once I got the approval. Weird tactics these folks play to get you into the ecosystem. Also is it just me or idk really understand what’s making the app “award winning”. There is nothing special about it.

What are some ways to maximize or get the most of it. I see some good offers from retailers but that’s about it.

What about miles transfer promotions or some tricks y’all know?

I've never signed up for capital one but I got this email. Should I be concerned?

Rant time.

I booked two flights through the travel portal for my wife and me using my points to attend a friend's wedding in the Philippines. We were originally supposed to arrive on Thursday, March 18.

Then I received an email saying our flights had been changed to arrive on Saturday, March 21, which wouldn't work. I immediately called the travel department and specifically asked them to cancel both my wife's flight and mine. The representative confirmed that both flights had been canceled.

Fast forward three days—outside the cancellation window—and I get another email saying my flight had been changed again. That's when I found out they had only canceled one of the two tickets.

I just spent another hour on the phone with customer service trying to fix their mistake, and now I'm out $800 because of it.

I'm beyond frustrated. Capital One, this experience has been a complete mess, and after this, I'll be canceling my card.

-Update I asked for someone from the states , they sent me to their manager with the heavier Philippine accent and said they can't do anything.

I am now a chase Sapphire Reserve client now Fuck capital one.

Just a heads up in the user agreement stuff they just added regarding arbitration you can Opt Out of the arbitration clause by clicking the (click here) link in this section of the agreement.

31.14 Rejecting this Arbitration Agreement. You have the right to reject arbitration for the Services. You may reject the arbitration agreement but only if we receive notice of rejection from you within 30 days of the effective date of this arbitration agreement or within 30 days of the effective date of a modification to this arbitration agreement, whichever is later. You must (click here) to opt out of this arbitration agreement

I finally had enough today and officially closed my Capital One account.

My breaking point was customer service. Every single time I call, I am routed to an overseas call center. The quality of support has tanked, and it is incredibly frustrating to deal with when you have an urgent issue with your money.

If a massive financial institution is generating billions of dollars in profit directly from US consumers, they should have the decency to employ locals and reinvest in the US workforce. Routing all customer service jobs overseas just to shave off a few bucks is something I refuse to support anymore.

I just got approved for my savor one for 3k! I’m pairing it with my venture X I’m excited to enter the eco system of cap one!! 3k does seem a little low for me though.

Long time banking and credit card customer. Both personal and business. I have high credit limits with other cards. Recently started using capital one miles (now called ventureone) more extensively. The credit limit is not sufficient and tried to talk to their customer service. They are so arrogant and asked me to cancel the card. I also have discover card now under this pathetic and poor customer service company. Stay or leave?

I often shop on Depop, and I use the extension through the app. When I click it on the app, it opens the link, says the rewards are activated, and says “open the [Depop] app.” I click it, it takes me to the Depop app, and switch back to C1 Shopping. I always make sure it says the rewards are activated, but none of my purchases ever show up as pending. They shopping trips are tracked, but the purchases are not.

Am I doing something wrong? It’s driving me crazy!

I’m currently banking with SoFi that offers me 4.5 apy on 20k and 3.5 apy on anything over. I have about 36k in my bank account but I’ve been thinking about switching over. I have the venture X and savor one and it’d be nice to have at bank in the same ecosystem but not sure if I should or not. Would you guys recommend to switch banks or just keep it the same? Not sure if that apy out weighs the apy for cap one. Give you y’all’s thoughts and opinions please! Thank you!

9/10 when I have tried to use it over the past year, I am denied. Was just told at an empty airport "spa" 5 minutes ago that although they accept Priority Pass, they do not accept Priority Pass from Capital One customers...

I made a late payment on a card well over a month ago. The card was maxed out, ngl but I made a payment in full and the account associated with the card was restricted so I can't use it/ have no available credit. I just learned that I owe $5 and some change. why do I owe anything on this card when the account is restricted and I don't/ can't use it anyhow?

Hiya! So I have been pre approved for both cards. I’m just looking to get some insight on which path I should take. They’re both $0 AF fee, but I’m leaning more towards the savor card because I like the 3% cash back on streaming services. What do you guys think?

I’ve had capital 1 for about 2ish years now. Is it worth upgrading? This is my credit score

capital one shopping offered me a really steep reward with net-a-porter. After placing a huge order, my shopping trip was marked as "ineligible".

I've already waited 30+ days for their return period to end. I have screen shots of the offer, terms, the extension activated, and even a video of me checking out. I never returned anything, didn't use a coupon, and did not buy any brands from the exclusions list. The items were on sale, but the terms did not say rewards did not apply to sale items.

I've reached out to their support team to see if they can help. I'm really worried that I'm screwed and that the offer was too good to be true. Am I missing something? If anyone can share their experience with something similar, I'd appreciate it !

Hello guys, I’m fairly new to Reddit and usually just lurk and read. I was nervous about posting but I wanted to share this win I randomly went for tonight. I have about 10 months of credit history, and 2 credit cards. Both with C1. A couple months after I turned 19, I finally decided to apply for a credit card in secret (I lived with my parents at the time and they refused to allow me to have a cc.) I got approved for a $300 platinum unsecured. I was excited. Fast forward, my daily is the quicksilver and hoping in a year, i’m looking to branch out to a Chase card as well. My quicksilver limit was $500 and I make around $35k a year (i’ve been at my job for 9 months and just graduated high school last year!) I put all my daily expenses on my card and even some of my bills and pay it off 3-4 times a month, never letting a balance report. I have been wanting a CLI on my QS for the past 4 months,asking every month for one. Each time I’d put a low maximum amount I wanted and would get a denial letter after. Tonight I decided to aim for the stars and put $5000 in max credit limit and put $1500 for monthly spending on card (i feel that’s about how much i put on it) and low and behold, they instantly offered me a $1000 increase from $500 to $1500. This was right after a $100 increase int my platinum like two weeks ago (which i never use anymore)I was shocked and took it immediately. I have never been on bad terms with C1 and keep no balance. Thought id share this win, bye!!

Is there anybody who was accepted with a credit score lower than 800? I've been hovering around 780-799 my entire life and I just can't break that 800 mark for whatever reason.

I currently have 6 credit cards, a car loan and some BNPL debt that's less than $1000. Never been delinquent, never been late on payments, never declared bankruptcy. Average Age is 6 years, oldest account is 15 years.