Tracking and managing your recurring transactions and purchases can help you keep a handle on your financial health. A recurring transaction can be a fixed or variable amount, such as a monthly utility bill, or a subscription, such as a membership to a streaming service.
Getting started with Expected Transactions
Our Expected Transactions tool helps you identify recurring charges and subscriptions from your eligible Capital One accounts. You can also manage your transactions through a variety of actions, including blocking or canceling for eligible merchants.
Expected Transactions is available in the Capital One app—you’ll need to sign up for an online account if you don’t already have one.
Keep in mind that these anticipated charges are based on historical transaction data and may not be current, especially if you took recent action to cancel these payments.
Block a recurring transaction
Using Expected Transactions, you can block a recurring transaction when it’s through one of our eligible merchants. If a recurring transaction is blocked, Capital One won’t approve it moving forward for 12 months. However, this does not apply to pending transactions that occurred before the block.
Blocking a recurring transaction could be helpful when you forget about a subscription with a “free trial” and it ends. If you change your mind and want to continue the subscription, you can unblock at any time using Expected Transactions. Note that blocking a recurring transaction does not cancel a subscription.
Cancel a recurring transaction
You can also cancel unwanted subscriptions from participating merchants using Expected Transactions. Once you identify a subscription you no longer want or need, a cancellation request is sent to the merchant. A cancellation request is typically resolved within 5 calendar days. For some subscriptions, you may have to manage your account directly with the merchant or service provider.
Managing recurring merchants
If you ever need to replace your card, remember to update your recurring merchants with your new card information. Some merchants may automatically update, but not all will.
As an alternative, virtual cards offer a convenient way to help manage recurring charges. You can usually generate a virtual card number specifically for a subscription or membership, which can be easily locked without affecting your physical card. This adds an extra layer of security and control over your recurring transactions.
Can I block a recurring credit card transaction?
In the Capital One Mobile app, you can easily identify expected transactions like recurring charges and subscriptions on the account page for your eligible Capital One accounts.
You can also manage your transactions in several ways, including blocking them or canceling eligible charges.
Keep in mind:
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If a recurring transaction is blocked, Capital One won’t approve it moving forward for 12 months. However, this does not apply to pending transactions that occurred before the block.
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If a blocked charge resumes after 12 months, you’ll need to set up another block. To ensure charges don’t resume after 12 months, you'll have to cancel your subscription with the service provider. If available, you can also cancel it through our subscription cancellation service.
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Not all cardholders can block charges, and blocking a charge does not cancel your subscription.
Do I have to update recurring transactions when I get a new or replacement card?
When you get a replacement card, make sure to update recurring charges and transactions with your replacement card number.
Even though some merchants may automatically update, review your recurring merchants to prevent charges from being declined.
Virtual cards also offer a convenient way to help keep your recurring charges up to date while adding an extra layer of security and control over your recurring transactions.
How can I review my list of recurring transactions and subscriptions?
In the Capital One Mobile app, you can easily identify expected transactions like recurring charges and subscriptions on the account page for your eligible Capital One accounts.
You can also manage your transactions in several ways, including blocking them or canceling eligible subscriptions.
Keep in mind:
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Blocking a charge does not cancel any subscription tied to that charge, and the customer is responsible for working with the merchant to cancel any related subscriptions.
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It may take a few billing cycles to identify your recurring charges.
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Anticipated charges are based on historical transaction data and may not be current, especially if you took recent action to cancel these payments.
If you ever need to replace your card, remember to update any recurring subscriptions with your new card information. Some merchants may automatically update, but not all will.