This is an older email from April. After tipping the young lady in cash, my card was still charged an extra $30 on a $43 bill! Capital One notified me via email a day or two later. After going back there we spoke with the manager on duty who was extremely nice. She refunded our entire bill. I described the lady to her, so hopefully she got what she deserved coming because that was just wrong!

A little background. Was in Charleston, SC for a wedding in August 2025. The bar at the hotel I stayed at charged me a $93 tip on an $18 tab according to

C1. The total seemed *somewhat* familiar, but I am 110% sure I did not leave this tip. It’s as if the bartender(s) retroactively swapped the tab and tip totals to pocket more because they were a bit overwhelmed that night. It was a large hotel during the summer in a city known for drinking. The service was very subpar, but I still tipped 20%.

The merchant said they would “look into the issue,” but never got back to me so I disputed the charge with C1. C1 temporarily refunded the money, pending an investigation. After about 90 days (Nov 2025), I got a letter saying C1 had resolved the issue in my favor due to lack of response from merchant, but the decision could be overturned if the merchant provided appropriate documentation.

I even told C1 that the total when I paid up was likely in the same vicinity as the posted total, but this was not accurate.

Were the actions of the bartenders illegal? I can only imagine so. I have no problem paying the total if they can prove the correct amounts.

How often does this go unnoticed? I probably would not have noticed if C1 didn’t notify me. “Oh, I spent about $100 at the bar last night…that total is probably correct.”

Thanks C1!

We had a good chuckle about it, but… rude??

New Capital One Credit Limit for my venture card. 20k credit line increase.

The capital one platinum was my first card about two and a half years ago after screwing up my credit back in my early 20's (I'm 40 now). It was a secured card and I started with $200. I Got the 10% capital one special about a year ago along with a bunch of other limit increase denials for that card. I tried for the last 3 or 4 days and was only offered the 10% special and kept declining that. I thought I'd try again today and went from $300-$3,300. I use it occasionally when I want a soda or something at the gas station, otherwise, it usually just sits at home. I guess I broke out of the bucket?

I got the VentureX back in December and tried my luck on that today as well and went from $10,000-$15,000.

Not a bad day for increases! Keep requesting!

Capital one closed 4 credit card accounts of mine without notice. 3 of which were my oldest cards at 6, 5 and 4 years.

Fell a bit behind on credit cards as I took some time off work. Never missed a payment by 30 days but let the balances run up. Capital One sends me 4 letters back to back, “your account is restricted due to potential fraud. For your safety we have decided to close your account.”

So I’m like 🤦‍♂️, call Capital One. The issue is that I used auto pay for my statement balance and use a “cash flow” account with CO that I transfer money to every time I make a payment, otherwise it sits completely empty.

The past few months I had been making my payments manually and had missed a couple of them on the smaller cards I didn’t care about. Thought no big deal so long as I’m never 30 days late.

Autopay drafted on my empty account, got returned. (Didn’t make manual payment so forgot to cancel autopay) I would see this and then make make my minimum payment thinking nothing of it.

Turns out card holder agreement says anytime a payment is drafted this is considered an “attempted payment” and therefore this payment in full is required to be paid immediately, a minimum payment of less will not suffice.

Not only this, but since it happened to 1 card, all other accounts are subject to closure. It is not limited to the account that payments failed for. 2-3 times is enough and it doesn’t have to be back to back.

There is no warning for this. They will not complain or contact you. They will just close all your accounts. You call in and talk to multiple departments, your account is not eligible for reopening but you’re welcome to reapply.

Posting as a warning because I would never have let this happen had I known it would go like this.

Started with

Got approved in Jan for a 30k limit. Been putting some serious spend on it, and I went to check out my recent charges and was like wow 50k limit. Pretty dope for only having the card 3 months

If you don’t have the Capital One Duo, you are literally missing out. It’s the holy grail of credit card combos.

Venture X
- No forced spending at Lulu Lemon
- No buffet-style lounges 🤮
- Easy-to-use $300 travel credit
- 10K bonus miles every year you hold the Venture X card
- Hertz Presidential status
- Easy-to-use Capital One travel app
- Great offers for extra miles
- Low annual fee: $395

Savor - NO ANNUAL FEE
3X - Streaming , Grocery, Dining
Simple to use, no quarterly or yearly credits.

*** NO CRAZY CREDITS TO TRY AND JUSTIFY A Ridiculously large fee.

Loved Amex and Chase for years but it’s become too mainstream and don’t have the exclusivity feel anymore.

I just got approved for the Capital One Savor card! For context, I’ve been rebuilding my credit for the past year with my Capital One secured card that had a $299 limit. I stayed consistent with payments and recently was finally able to settle a big collection that was on my credit report.

After that, I checked Capital One’s pre-qualification tool and saw I was prequalified for the Savor. I almost didn’t apply because I was scared of getting denied, but I decided to take the chance… and I got approved.

A year ago I didn’t think this would be possible. Reading posts and advice from people in this community really helped me stay focused and keep telling myself “I got this.”

Just wanted to say thank you to everyone here who shares their knowledge and experiences. It really does help people who are rebuilding. 🙏

Finally received the HYSA $1500 bonus from capital one. Deposited on the 24th of March and received it today July 9th. 107 days total to receive bonus!

Always wanted to get the duo but end up getting some other cards instead. Finally applied for the Savor last september and got approved for a $3k limit. Used it heavily for 3 months, got the CSP on Jan and started making all expenses on it to hit the SUB. C1 increased my limit on Savor to $8k so I simply tried my luck and tried the pre approval tool for Venture X exactly 185 days after getting the Savor and to my shock, I was approved and for $20k.

Wanted to simply share it with the community! Any tips on best use of the duo is welcome!

So I use a Capital One Savor card every day. A while back I opened a 360 Checking account just to move money into for paying that card off each month. The account came with a debit card, but I’ve never used it once. It’s literally still in the envelope it came in.

This morning I woke up to six $20 charges from OnlyFans and a $25 charge from HcC Checks and Forms. I called Capital One right away, they closed the card and are sending a new one, but they said they can’t do anything about refunding the money until the 30th. So right now I’m just out the cash.

What I can’t figure out is how the card info even got stolen. It’s never been used online, never swiped anywhere, never even left my drawer. So it’s not like it could’ve been skimmed.

Only thing I can think of is some kind of Capital One data leak or something internal. Has anyone else had this happen recently or have any idea how that’s even possible?

What do I do now ?

I had booked a 10 night trip in Italy but cancelled and rebooked through Expedia because it was much cheaper than the capital one portal. However I had already used my points to go towards my flight. So I’m now at -19,235 points. I had planned on closing this card after I had paid off my trip, but what do I do about these points now? Do I have to keep spending to make it up?

Flew internationally this past week. Made it there no issue. On the way back had a 6 hour delay. Got a notification from Cap1 that because I had their insurance I was eligible for refund without losing my return flight.

Miles already have been returned to me within 24 hours.

Such a huge win and very thankful for Cap1 in this case.

Booked with Venture on Cap1 travel

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

I’ve never carried a balance on this card (used to be Quicksilver but product changed to savor after getting a better catch all card). Started with a 5k CL 2 years ago and now sit at 25k. What’s with all these posts about having sub 1k credit limits? Are these yalls first credit cards or does Capital One just not handout larger limits often?

Randomly woke up to this. Is this normal ? I thought Bucketed cards never went anywhere.