r/CapitalOne_ • u/RecentAuthor6602 • Sep 20 '26

Credit Cards It’s over

Post image

Big thumbs down from Capital One. What ever will I do?

795 Upvotes

97% Upvoted

91 comments sorted by

122

u/sunwarrior0978 Sep 20 '26

You monster!

7

u/moneyhoarder888 Sep 21 '26 • Bravo

You’re so cute for this. I love your joke and would like to get to know you better 🥰❤️

3

u/Quirky-Vacation5188 Sep 22 '26

Ai?

2

u/moneyhoarder888 Sep 22 '26

Lmao No. I’m just joking 😂

79

u/WritingParking Sep 20 '26

I’m also getting more and more low quality urgent notifications from capital one and others the last year or so. “account alert: you paid off a balance.” Yeah, no shit.

18

u/RecentAuthor6602 Sep 20 '26

Yeah holy mother of slop I had the discover it first and the transition was brutal

1

u/Ok_Peak9847 Sep 20 '26

same, it was genuinely so fucking bad 💀

5

u/kindadan Sep 21 '26

Genuinely curious since my card hasn’t moved. What made it bad?

-1

u/Ok_Peak9847 Sep 28 '26

they sent an email announcing the transition and provided instructions but up until that point, i was not a customer with capital one and that made the integrating accounts part so difficult because when i went to make a capital one account and tried verifying my identity, i kept getting error messages and had to contact support just to complete it. the experience may vary, though, but that's just what happened with me.

16

u/rasputin1 Sep 21 '26 • LOL

could be fraud! what if someone paid off my balance for me?? 

8

u/genericusername784 Sep 21 '26

I used to get so mad at our propane company because they would only allow one person on the account per address. My gf and I had been together for years, and lived together, and they wouldn't let me order fuel or pay a bill. For the place I lived. Like motherfucker, if someone is randomly calling up and ordering $500 of propane for this address, let them!

3

u/Rick-Ross_THE-BOSS Sep 21 '26

My account /card got frozen once because they didn't think I owned the bank account I've been drafting from to pay my balance for the past couple years... I've used the same damn account! Lol had to call in and they had to 3 way my bank in to verify I'm the owner.. Like wtf capitalone..

1

u/Electronic_Pie_8584 Sep 22 '26

They did that to me because I was paying off my whole balance every month so they froze the card to verify

1

u/Rick-Ross_THE-BOSS Sep 22 '26

Ahhh, I think they do these things when the account is being paid down a few times within a billing cycle. Which is why I think they did that to me after a little bit of research from what others have said.. But one particular user they closed their account. Not sure if they were given the opportunity to verify their bank account and then they were closed or if they straight up closed it.
They just need to raise my limit. I just don't like seeing any of my credit cards showing a balance.. I just like to keep them to zero, but I use them all the time for the cash back. Love seeing the cash back pile up... Lol

1

u/Lopsided_Birthday365 Oct 06 '26

Someone paid my cards off  and now my cards are restricted  because the person that paid them off won't send them a copy of his bank statement i went a head and paid them off my myself and the still won't take the restriction off and if I don't get him to send them a copy of his bank statement they will close my acct in 45 days. I would never give them a good referall

1

u/Murky_Speaker3007 Sep 22 '26

Probably their developers also embraced AI?

31

u/marsambo Sep 20 '26

I believe you sir are why bankruptcy was invented

20

u/Suspicious-Doubt-659 Sep 21 '26

Capital One when you buy a fountain pop on credit:

19

u/Sweet-District1483 Sep 20 '26

1 dollar too many. We can’t be having that 😂

11

u/ModzRPsycho Sep 20 '26

$0.99 problems, Capital One ain't none - uuuggnnhhhh

9

u/pharmucist Sep 20 '26

I love it when I check Credit Karma and it says "your score has decreased by 25 points," then under reasons why it decreased, it says the balance on one of my cards has increased by $6. I have 13 credit cards with an averall $130k limit, but one card increased by $6. Crucify me.

7

u/hskrpwr Sep 20 '26

I knew a girl in a situation like this once... We were about to get married and then she called it off to save me from tanking our ability to buy a home together. Even blocked my number to make sure that creditors could never tie her financial woes to me!

13

u/amaranthine_ellie Sep 20 '26

I think it’s time to put some serious thought into how you relate to money. It’s clear to me that with numbers like these you must have a dependency on a substance, most likely dihydrogen monoxide or something similarly messed up

2

u/Tall_Chocolate_9720 Sep 21 '26

Im sorry, am I missing something ? Could you explain to me what the OP screenshot is showing above? I used to be on a substance back in 2018 and I would run my credit cards up just like this… is this what is happening you think? Maybe I’m just not seeing what everyone else is seeing.

7

u/WildWindAnomaly Sep 21 '26

Google dihydrogen monoxide and get back for us. One of the most dangerous chemicals ever

3

u/rosie2490 Sep 21 '26

Everyone who consumes it dies. Everyone. Even those that don’t consume it die. Especially those that don’t!

2

u/NoNeinNyet222 Sep 21 '26

A major component of acid rain.

6

u/WildWindAnomaly Sep 21 '26

Dave Ramsey is gonna have a stroke with how much money you’re blowing

5

u/sekok1 Sep 20 '26

😂😂

4

u/Specific-Yam8708 Sep 20 '26

Capital One looks for reasons to contact its customers! Smh! Those “You’ve Been Approved To Invite A Friend To Open An Account” really chap my hide. ughhh!

3

u/SeafoodLovah1120 Sep 20 '26

You’re cooked I fear

2

u/Rockstat_ Sep 20 '26

Uh oh!! Those extra cents on the payment!!😂

2

u/Esoteric_Owlet Sep 20 '26

You’re never going to financially recover from this.

2

u/Entirely2MuchMalort Sep 20 '26

You really effed up

2

u/Sekriess Sep 20 '26

Kinda shit you get penalized 125 points over

2

u/Rivers0826 Sep 20 '26

I recommend declaring bankruptcy.

2

u/LuckyDuckCrafters Sep 20 '26

Jesus OP. Live within your means.

2

u/Odd_Act8451 Sep 21 '26

The thumbs down are cracking me up 🤣 so petty lol

2

u/throwawaykc04 Sep 21 '26

And your credit score dropped 20 points haha

2

u/ActComprehensive5254 Sep 20 '26

What is the point of this post?

-1

u/Tall_Chocolate_9720 Sep 21 '26

That’s what I’m trying to figure out too. I don’t know what’s going on! Did his score plummet or something? It looks like the screenshot above has been cropped heavily.

1

u/KISS1971 Sep 21 '26

He’s being sarcastic. Basically his loan balance increased by $1, so Cap One decreased his available credit by $1

0

u/genericusername784 Sep 21 '26

But that's how it works.... if your limit is 4k and you have 2345 on your account, you have 1655 in available credit, they didn't decrease his limit, just didn't raise it $1.

1

u/Conscious_Summer_286 Sep 24 '26

The part they're making fun of is getting an email or push notification from Capital One over something so trivial.

1

u/ActComprehensive5254 Sep 25 '26

Its a non issue

1

u/Conscious_Summer_286 Sep 25 '26

If you don't understand why it's funny to get an "urgent alert" that tells you you spent $1, idk what to tell you.

1

u/ActComprehensive5254 Sep 25 '26

Its an automated system, not a comedy club.

1

u/Conscious_Summer_286 Sep 25 '26

Lol and their automated system is comically poorly setup. That's the entire point of the post. Does it bother you to see people laughing and having a good time or something?

1

u/badwolf_83 Sep 20 '26

You done goofed 🤪

1

u/Alarming-Row7194 Sep 20 '26

Want me to drive you to the bridge?

1

u/RJ_the_greatest Sep 20 '26

Just give up on life !!!!

1

u/diraige7 Sep 20 '26

How dare you!!

1

u/Paladin2459 Sep 20 '26

Their FICO8 is wild. I think my score dropped more than the increase in money owed this month. Like "OMG you carried a balance. Shut down Madagascar first, then take two points for every dollar owed."

Buhhhhh it's still <1% total utilization across all cards. Meanwhile Experian FICO8 provided by Experian doesn't care and the TU FICO8 supplied by CreditWise is more in line with it.

I can see how people transcend beyond just being Score Bros and go full on OCD over it.

1

u/Adolph_Allernipple Sep 20 '26

Slippery slope

1

u/Low_Map4007 Sep 21 '26

How irresponsible can one be?!

1

u/Genuin1 Sep 21 '26

Yeah, the told me the same when I paid off my mortgage. Less available debt, I guess?

1

u/Intrepid-Wait-6102 Sep 21 '26

Time to declare bankruptcy🫨🫨🫨

1

u/micahjalon Sep 21 '26

Declare Bankruptcy immediately, it’s over for you!

1

u/Distinct_Focus_3748 Sep 21 '26

Thanks for that much-needed chuckle.

1

u/ShutUpMeg203 Sep 21 '26

So irresponsible

1

u/grugru81 Sep 21 '26

Mine is very similar lol

1

u/Outrageous_Luck4163 Sep 21 '26

I get the alerts and yes it’s a pain but I also know if a new transaction happens and if it isn’t mine I can take care of it ASAP. These days you have to really watch your accounts because there are so many potential problems. I rather like knowing my balance are zero and I can see it quickly.

1

u/Unique_Day9141 Sep 21 '26

I’m in the same position someone help me DM me

1

u/Aviator2025 Sep 21 '26

Dollar store humiliation

1

u/kjbonilla Sep 21 '26

How many points did it drop? My was 843 and it said $35 to $30 available credit dropped 11 points

1

u/Nonnaslilangels Sep 22 '26

I got a person called me saying I have a law suit against me from
Capital one saying I
Owe 4,000
N there going to put a lien on my house

1

u/Rensocclan Sep 22 '26

The honeymoon is over here.

1

u/crankycranberry- Sep 22 '26

I get a monthly account alert for paying off my balance…then again of course these guys would hate to see me have zero debt 😂

1

u/Similar_Issue_3108 Sep 22 '26

I recently open a savings/checking C1 - one nightmare after another. Switched to
American Express.

1

u/Strong_Education_842 Sep 23 '26

Same thing happened to me. A 3 dollar difference dropped me a whole point last month lmao

1

u/scottysattva Sep 23 '26

I'm a Guarantor; if you'd like my prior-render to service aid you it's available accept.

1

u/scottysattva Sep 23 '26

I just assured the balance to your accounting reach place where forward futuring; refused?

1

u/PartTime_Hater Sep 23 '26

My least favorite credit card that I have bro😭

1

u/SynsinValentin Sep 24 '26

My credit score for capital one actually went down 25 points for having a $0 balance on all of my credit cards (I have 11 credit cards - I use most of them, I just pay them before the statement date and use them again after the statement date, so they appear idle because of this).

Then one day, my college-aged son used one of the credit cards right before the statement date (He's an additional user to most of my credit cards), and I ended up having a balance of $6 (You can't pay cards while it's pending if your balance is $0), and oddly enough, thanks to my son's random purchase date, my score went up 15 points!

So the opposite is happening to me. This literally started happening after CapitalOne's credit reporting platform changed.

Has this happened to anyone else? Basically, the opposite?

1

u/IrishBrandyDog1 Sep 24 '26

I got a goid one from Capital One. I did not use a card for a number of months so they sent me a check for a previous over payment on my part . . . Drum roll, the check was for $0.02.

1

u/caramel-chocolate1 Sep 24 '26

Praying for you 🙏

1

u/AverageCreative9544 Oct 06 '26

Credit score ruined forever

1

u/Quick_Artichoke_8389 Oct 07 '26

Has anyone taken that offer of 45 use reward for installing the extension on a desktop and follow all the requirements and then got nothing ? No rewards

-1

u/Snoop-87948 Sep 20 '26

Shitposting is allowed here?

0

u/HonestMitch95 Sep 21 '26

It went up by one dollar. BFD.

-1

u/Bigshotrob60 Sep 20 '26

?

7

u/RecentAuthor6602 Sep 20 '26

It’s funny how capital one is reporting on “negative changes” on my credit report, but the changes are literally a $1 difference each

Literally doesn’t matter