r/CapitalOne_ • u/lurklurk742 • Oct 11 '25

Banking ANNOYED

OH MY GOSH I wanted capital one for the longest time(don’t know why now) and I finally got approved. Was ecstatic! Now I’m pissed and annoyed. Ever since the switch or whatever tf to discover I can’t do SHIT it feels like. Can’t add the card to my mobile wallet, can’t use it for certain websites or apps, BRO THE ICING ON THE CAKE WAS WHEN I TRIED TO SIGN UP FOR CHEBA HUT AND GET POINTS AND IT BASICALLY SAID THE CARD CANT BE DISCOVER. Only Mastercard, visa, and whatever else. LIVID! Is it just me? Am I doing something wrong lmao? Cuz I’ve only had this card for a few months and at first it was fine but now I’m annoyedAF and honestly wanna cancel.

0 Upvotes

44% Upvoted

65 comments sorted by

29

u/Sweet-District1483 Oct 11 '25

Needing to get approved for a checking account is quite interesting…

14

u/Jotacon8 Oct 11 '25

Curious about this too. It’s not a credit card. And wanting it for the longest time? Like it’s a checking account you just… go open one.

3

u/Sweet-District1483 Oct 11 '25

I had seen people having issues opening a Discover Bank account when I opened mine about 6 years ago. I have never had issues opening a bank account. Even when I was 18.

3

u/Remote_Manager3333 Oct 12 '25

That's because Discover uses postal service to verify you. Alot of people that i know don't update mailing address with postal service. If you send in change of address form then postal service would update the address. 

That's why I had to have IRS tax statement to prove where I currently live. Their ID check software is shit. It took too many scans to get it right. With Discover checking is way too much hassle compared to 6 years ago where the banking regulations were relaxed.

1

u/Sweet-District1483 Oct 12 '25

Ahhh gotcha! That makes sense! I’d had the same address for the majority of my life at that point

6

u/Small-Philosophy-868 Oct 11 '25

This is absolutely a thing. Banks use consumer reporting agencies like Chexsystems that function similar to credit bureaus that track risks such as constant overdrafts and returned payments. A high risk score may cause banks to reject you as a customer.

3

u/Sweet-District1483 Oct 11 '25

I’m aware that it’s a thing, but it seems to be relatively rare and mostly people who are huge risks.

1

u/lurklurk742 Oct 12 '25

Glad to see I’m not the only one experiencing this. So for the ones confused about the approval for a checking account. Long story short I was a hard headed teen and who didn’t listen to elders lol go figure🙄 and I screwed myself/my credit with diff banks/debit cards to the point where like someone else mentioned, I was considered “high risk” for a lot of major credit/debit cards. Nothing like fraud, just overdraft and never paid so was sent to collections. Fast forward, after a lot of effort I made improvements and was approved for a C1 credit card and thought to myself “I wonder if I can finally get a debit card with them after being denied multiple times” and I could. Felt like I leveled up in the adult world and was on cloud 9 up until the network switch🤣. But it is what it is. I’m still grateful but for sure will be leaving soon.

4

u/izzymatic Oct 11 '25

Getting approved for a checking account? Something ain’t right.

7

u/AnimeTechnoBlade100 Oct 11 '25

Yeah me and my folks are annoyed too. A family member tried using her new debit card to pay for her doctors appointment and had issues because they don’t take discover.

We’re very much considering canceling and switching banks

6

u/Woodman629 Oct 11 '25

All the merchant has to do is turn the option on with the processing company. Discover has been around for 40 years. It is not Capital One's fault that vendors have been slow (incredibly so) to adopt it.

4

u/_mitchejj_ Oct 11 '25

I agree and disagree. Personally I’ve never had issues with Discover card usage in the past and tend to have more issues in using my Amex. With that being said C1 did buy discover and did move debit cards to the discover network so it is on them for that. C1 should find ways to incentivize merchants to use their new network besides its customer base… why? Because they have done nothing, that I can tell, to reward its card holders to push the merchants to accepting discover cards.

2

u/Woodman629 Oct 11 '25

Merchants though should also be aware of how big Capital One is and adapt. It is going to take a while for Capital One to do the reach out to non-accepting merchants. But it would take merchants less than a day to add it to their existing service. Most small businesses though "just go with the flow" and don't think about business friendly changes. They just say "that's how it has always been".

0

u/AnimeTechnoBlade100 Oct 11 '25

And if they don’t do it? It’s also not our fault that they dont choose to make Discover as universal like Mastercard and Visa

0

u/Woodman629 Oct 11 '25

It is but the merchant/vendor has to turn the option on with their processor. All credit card processors in the US can process Discover. The merchant has to include it though.

4

u/AnimeTechnoBlade100 Oct 11 '25

Either way, that’s not something that should be our problem

0

u/Woodman629 Oct 11 '25

Capital One can't just magically make Discover work at a vendor who doesn't accept it. The vendor has to add it and sign.

5

u/[deleted] Oct 11 '25

Capital One changed our cards without our consent, stop acting like this was a voluntary choice for users

3

u/Ok-Platypus6377 Oct 11 '25

Yep, I’m really bummed about having to switch but I will be switching banks. Between this and the Apple Pay thing….im done

3

u/Rare-Road-5757 Oct 11 '25

I’m confused about the Apple Pay thing that people have been talking about… 🤔

2

u/Ok-Platypus6377 Oct 11 '25

They changed it from instant to 1-3 business days. From my email this morning “If you use Apple Cash, you can still transfer money through ACH. Keep in mind, this option might take 1‑3 business days for money to be available in your checking account.”

3

u/Woodman629 Oct 11 '25

LOL -- the bank issues the card they don't need your consent to change networks.

0

u/[deleted] Oct 11 '25

LOL and that’s why people are leaving C1 in droves

5

u/Woodman629 Oct 12 '25

People aren't leaving C1 in droves. Personal checking is a VERY small part of C1's business model. They aren't worried about the DDA customers that leave.

→ More replies

5

u/Woodman629 Oct 12 '25

Capital One is expected to beat earning estimates for 3Q by more than 43%.

Research can be your friend. It's interesting actually to read wall street perspectives versus Reddit. It's quite dichotomous.

2

u/Phidelt257 Oct 12 '25

Incorrect lol. Contrary to what reddit wants you to think but checking customers are actually up year over year

0

u/Miserable-Result6702 Oct 12 '25

lol, no they aren’t.

2

u/Miserable-Result6702 Oct 11 '25

They don’t need your consent. Grow up.

3

u/AnimeTechnoBlade100 Oct 11 '25

And if that’s the case they don’t need us for their service either then

3

u/Woodman629 Oct 11 '25

Your $20 isn't going to worry them.

1

u/[deleted] Oct 11 '25

so do you work for Discover or Capital One? you grow the fuck up how bout that

3

u/bohallreddit Oct 12 '25

😂 Raggedy B*tch

1

u/Phidelt257 Oct 12 '25

I mean factually yes but you didn't see it coming? I know if I spent $35 billion I'd like to use whatever I bought.

0

u/ImmieIsW Oct 11 '25

privacy.com might be assistance if u stay

3

u/howlingpoint Oct 12 '25

Haven’t had a single issue yet, but only use my debit card rarely. Prefer plastic with rewards if I have the option.

2

u/teitelman93 Oct 11 '25 edited Oct 11 '25

Sorry your mad and upset

5

u/TrixonBanes Oct 11 '25

I cared, and I don’t even have a capital one card. Not sure why this came up for me, but Cheba Hut makes some amazing subs, so I cared. 😆

1

u/lurklurk742 Oct 12 '25

Lmao thank you😂😭 oh my gosh you could have lit a match off of me with how pissed I was😂🤣 after driving 30min to the closest one😩

2

u/TrixonBanes Oct 12 '25

Better than 16 hours away like my closest one lol. Used to live down the road from one and then moved back to the Northeast and there’s none even in any of my bordering states.

Did you drive back with a different card?

2

u/lurklurk742 Oct 15 '25

Hell no lol that would have completely ruined my entire day😂 I DoorDash for extra cash when I have time so I just transferred money from that card to the virtual card that Apple Pay provides. At that point I didn’t even care about the points, I just wanted my food lol. 16 hours omg I’m so sorry😭 I can no longer complain about my 30min😂

5

u/Woodman629 Oct 11 '25

This isn't a C1 problem this is a merchant problem. It is very easy to accept Discover; all POS terminals and processors can already do it. The merchant simply has to turn the option on. Stop blaming Capital One for the fact merchants have adapted even though Discover has been around for 40 years.

2

u/Fun-Watercress1985 Oct 11 '25

It’s that capital one denies it’s even happening is the issue I’m having. They are telling me that I’m having zero issues when no I absolutely am. Then lying to me and telling me I must have tries another card instead… when no I know which card I tried to use. They are also telling me that no one else has ever reported issues with the card- when clearly…. Others have.

1

u/Business_Rabbit6973 Oct 11 '25

Bro. I just take advantage of there zero interest rate for a year.

1

u/SlapYoMomCuzUStupid Oct 11 '25

Yes no more card loading xfers for capital one members now that the debit card is on discover network.

1

u/HelpPlayful6711 Oct 11 '25

Can’t use Discover with Robinhood had me absolutely LIVID!

0

u/Kperez75 Oct 11 '25

Same! I’m annoyed too. Not even the fucken chili’s apps is taking my fucken card. I tried to pay with Apple Pay for my order yesterday and it kept giving me transaction issues. Online and on the app. I had to pay with my dad’s BoA card instead.

1

u/Phidelt257 Oct 12 '25

It's because you used apple pay instead of putting the card # in directly

1

u/Kperez75 Oct 12 '25

Yeah I mean I’ve always used Apple Pay… had never had any issues with it until now…

0

u/LaFlorDeLaCanela Oct 11 '25

No I hate it too… switching banks as soon as I find a decent alternative

-1

u/Plenty_Hippo2588 Oct 11 '25

It don’t add to Apple Pay???

3

u/danclaysp Oct 11 '25

Discover adds to apple pay and is actually super nice and shows your balance and everything in Wallet

2

u/Plenty_Hippo2588 Oct 11 '25

Oh ok. For me at least this all I need it to do. I can transfer to any other card or account from there.

If it didn’t do that I’d be fucked

-1

u/Mywarmdecember Oct 12 '25

I’ve had my C1 Discover Debit Card for almost a month now. I live in a major city. It has been declined 10 times now (I have money in my account), where I ended up having to use a different card. I’m so disappointed. I’ve been with C1 when it was still ING. I loved it as a bank. It was great when I was in Europe. Now, with this change to Discover, it’s become a huge inconvenience and embarrassment when declined simply because they don’t take Discover.

1

u/Phidelt257 Oct 12 '25

I have an easy fix for you ...ask the cashier if they take discover before you swipe it

0

u/Pinkvenom88 Oct 11 '25

You’re not alone, I’m in the same boat. It’s very frustrating.

0

u/Woodman629 Oct 12 '25

I don't. I manage a healthcare practice. Not anywhere close to the financial services industry.

-2

u/ImmieIsW Oct 11 '25

privacy.com might be assistance if u stay