Online Banking FAQ—Credit Card Accounts

Here is a list of the Capital One accounts that can be managed using Online Banking:

• All Capital One credit cards
• Small Business lines of credit
• Small Business Administration lines of credit
• Small Business credit cards
• Small Business corporate cards

Go to the enrollment page for Capital One’s Online Banking site and follow the instructions.

No. You will need to activate your credit card by phone. If you have a sticker on the front of your new credit card, call the number displayed on it. Otherwise, call the phone number on the back of your credit card.

Enrolled users of Online Banking can log in and click the Pay Capital One page to get started with online bill payment.

If you are not yet enrolled in Online Banking, go to the enrollment page now.

If you’ve enrolled your account, you can check to see if a recent payment has posted by checking the Transactions & Details page. Or you can check the Statement page to see a payment that posted in the Payment, Credits & Adjustments section.

If you’re not yet enrolled to manage your account online, please go to the enrollment page for Capital One’s Online Banking site and follow the instructions.

The table below indicates posting timeframes for payments made online.

Yes, you can still mail your payment with the payment coupon and envelope that are enclosed in your printed statement. Remember to write your account number on the check or money order and make it payable to Capital One. Payments without a payment coupon may not be credited to your account the same day received.

You can also make a payment over the phone by calling 1-800-955-7070. However, there is a $10 fee for this service if you make the payment over our automated response system, or $14.95 if you need to have a representative help you.

You can make one online payment per day for each credit card account, and you can have one online pending (not yet processed) payment per credit card at any given time.

Yes. Our system allows you to store information for multiple payment accounts.

Once you’re logged in, go to the Pay Capital One page and click on Manage Payment Accounts; then click the Delete link next to the account you wish to remove.

No. Unfortunately, our online system does not currently offer a recurring payment function, but some Capital One accounts are eligible to participate in a program called Capital One AutoPay. Please contact us at 1-800-955-7070 to find out if you are eligible for this service. Our Customer Relations representatives are available to assist you 24 hours a day, 7 days a week.

Yes. Once you’re logged in, go the Pay Capital One page and click Schedule a Payment. On this screen, you can enter the date that you want to make your payment.

If you’re not yet enrolled to manage your account online, please go to the enrollment page for Capital One’s Online Banking site and follow the instructions.

If you scheduled your payment in advance of the due date, you have up to the day before the payment is made to modify it.

If you need to make a payment during a time when the Online Banking site is down, and you do not want to wait for the system to become available, please call 1-800-844-1590 to make a payment over the phone. There is a $10 fee for this service.

If you’re enrolled to manage your account online, you will see a summary of your rewards information on your online statement as well as on the Rewards Summary located in the navigation bar at the top of your screen.

If you’re not yet enrolled to manage your account online, please go to the enrollment page for Capital One’s Online Banking site and follow the instructions.

You can make redemptions and find all of your reward information online at the Capital One No Hassle Rewards^SM Web site.

You can also call our Rewards Center toll-free at 1-800-228-3001, Monday–Friday from 8:00 a.m. to 12:00 a.m., and Saturday–Sunday from 9:00 a.m. to 10:00 p.m. ET.

Although we can't add rewards to your existing card, you can apply for a Rewards card through our Web site.

Once you’re logged in, go to the Transactions & Details page located within the Accounts page. This displays all activity that has posted to your account since your most recent online statement.

If you’re not yet enrolled to manage your account online, please go to the enrollment page for Capital One’s Online Banking site and follow the instructions.

The Transactions & Details page will show transactions on your account as soon as we receive them from the merchant. Please keep in mind that when you use your credit card to make a purchase, it may take a few business days for the merchant charge to reach us.

If you’ve enrolled your account online, log in and go to the Customer Service page within Online Banking, and then click the Stop Paper Statements link.

When you choose to stop receiving paper statements, you'll receive a monthly e-mail letting you know that your latest statement is available online.

If you’re not yet enrolled to manage your account online, please go to the enrollment page for Capital One’s Online Banking site and follow the instructions.

To start receiving paper statements again, you'll need to give us a call at 1-866-750-0873 and one of our representatives will be able to arrange for you to receive your billing statements in the mail again. Make sure you have your account number handy.

You will be able to see your last two statements within approximately 24 hours of enrolling in Online Banking. We add a new statement each month from the date that you enroll.

Yes, you can download any of the statements that appear online to the following software applications: Quicken (QFX and QIF formats), QuickBooks (QBW format), Microsoft Money (QIF and OFX formats), and most spreadsheet programs.

Your statement will usually become available online within four days after your cycle end date, except in these situations:
• You did not have any transactions on your account and so no statement was generated.
• Your only transaction was a payment and no interest charges were accrued.
• You recently registered your credit card account (it may take up to four business days for it to display).

Yes. You will continue to receive your printed statement as usual as long as you haven't stopped your paper statements. If you wish to stop receiving paper statements and get your statements online, go to the Customer Service page within Online Banking and click the Stop Paper Statements link.

Give us a call at 1-800-887-8643 so that we can help you identify unfamiliar transactions.

You can dispute a charge online. After you log in to Online Banking, click the Customer Service page, and then click the Dispute a Charge link.

If you are not enrolled go to the enrollment screen now and follow the instructions.

Please note: In order to assist you with errors or problems relating to your statement, we must hear from you in writing no later than 60 days after we sent you the first bill on which the error or problem appeared.

We charge an over limit fee when you exceed your credit limit. We charge a past due fee when we do not receive your minimum payment by the due date indicated on your statement, based on the terms of your account.

One way to avoid fees is to use Online Banking to check balances, make payments, or review previous statements.

No. Currently online statements are only available in English. Even if you currently receive printed statements in another language, the online statements will still be in English.

Once you have logged into Online Banking, you will find all of the APR information in the Finance Charges section of the Statement page.

As long as you are the primary user on the credit card, you can link all of your card accounts to one user name and password. Linking your accounts means that they are grouped together under one login. It doesn't consolidate their balances or change them in any way.

To link all your credit card accounts to one user name and password, click the Customer Service link in the navigation bar of Online Banking. Once there, click the Link Accounts link and follow the instructions on the page.

If you are enrolled in Online Banking, you can change all of your contact information online. Just log in and go to the Customer Service page. From there you can select the link for the contact information you want to update: e-mail address, phone number, or mailing address. All updates made online will update in our systems immediately.

If you have more than one account, you will be able to apply this change for any or all of your other accounts on the same page.

If you have not enrolled your credit card in Online Banking yet, you can do so today by going to the enrollment screen and following the three-step registration process. You can also give us a call at 1-800-955-7070.

Once you are logged into Online Banking, go to the Customer Service page in Online Banking, select the Change Password link, and follow the instructions.

At this time, there is no way to change your user name. However, you can re-enroll an existing online credit card account with a new user name. To re-enroll the account, go to the Online Banking enrollment screen and follow the instructions.

Yes, by re-enrolling the account in question and assigning a different user name and password. To re-enroll the account, go to the Online Banking enrollment screen and follow the instructions.

Give us a call at 1-866-750-0873 and a Customer Service Representative will be able to help you with your request.

If one of your accounts isn't listed on the Link Your Accounts page, scroll to the bottom of the page and click the link to search for another account. This will take you to the Link an Account page where you'll be able to enter the specific account information for the credit card you want to add.

If you have a question about any of the accounts you see displayed, please give us a call at 1-866-750-0873.

To close your account, you must give us a call at 1-800-955-7070 and speak to a representative. Once you've requested that your account be closed, you should:
• Stop using your card.
• Stop any monthly automatic payments or pre-authorized charges you may have set up on your account.
• Pay the entire remaining account balance in full within 90 days after making your request to close your account.

Call Customer Relations at 1-800-955-7070 immediately.

You will not be able to retrieve your old PIN, but if you call the automated response line at 1-800-955-7070 and follow the prompts, you will be able to create a new one over the phone.

Your contact information is updated immediately.

To designate a foreign or temporary address on your credit card account, please call Customer Relations at 1-800-955-7070, 24 hours a day, 7 days a week.

No, you must call Customer Relations at 1-800-955-7070. We're available 24 hours a day, 7 days a week.

To protect your personal account information, we advise that you not send us an unsecure e-mail regarding your account. Instead, we encourage you to use our secure messaging feature, which you can access once you have logged in to Online Banking. Just click Messages in the top navigation, and then click the Compose a Message button. We will respond to your message within three business days.

Use the Secure Message function when you have account-specific questions. It is a safe method of sending and receiving messages because you can only access it once you have logged in with your user name and password. Then click Messages in the top navigation and click the Compose a Message button. You’ll get a response from us within one business day.

Multifactor authentication is an extra level of authentication for verifying a customer's identity and preventing unauthorized users from accessing financial information.

After logging into your account for the first time, you will be presented with a selection of questions and answers. You’ll be asked to choose three that are the most meaningful to you and to type in your answers.

You will only have to answer these questions if you try logging in with incorrect information. To ensure that it is you trying to log in, you will be presented with the questions. This is just an added layer of security to ensure that the right person is logging into your online account.

If you happen to forget the answer to any of the questions you selected, please call Customer Service at 1-866-750-0873. After several incorrect answers, you will be locked out of your account.

Please visit Security Works at Capital One for all the details. You will find a complete description of Capital One’s security commitment and systems.