Help track increases in recurring charges with Eno

Managing recurring charges? Eno, your Capital One assistant, can make it easy to monitor increases in your ongoing expenses.

Do you know how much your phone bill is every month? What about the streaming video service for your household? Many companies give you the option of setting up automatic payments for monthly bills, but it’s not always easy to keep track of them. While you might appreciate the time you save every month by not having to submit a payment for a bill, it can also be worrisome to think you might be missing something. What happens if an automatic bill increases and you don’t realize the higher fee until months later?

That’s where Eno, your Capital One assistant, comes in. Eno can make it easier to keep up with ongoing bills by helping you look out for increases in recurring charges. Eno can help you quickly spot changes such as a significant increase and feel more on top of your recurring expenses.

How does Eno track recurring charges?

If you have a Capital One credit card and have opted into getting notifications, Eno can automatically help you manage your monthly payments. For example, perhaps you use the card to pay for a number of recurring charges, such as a gym membership, magazine subscriptions or a utility bill. Month after month, Eno makes note of regular payments like these. If one of these recurring charges increases significantly, Eno can reach out and let you know. For example, if you have a cable bill that is paid automatically every month and increases from $49.99 to $99.99, Eno can send you a message to inform you of the increase. 

When you see the message, you can investigate the situation. Perhaps you added a feature and were anticipating a higher charge. In that case, you don’t need to take any action—you’ll simply be aware of the new charge. But if you weren’t expecting an increase, you’ll have the opportunity to look into the price increase and contact the merchant to resolve it. 

What other ways does Eno help?

Besides assisting you with recurring charges, Eno continually monitors your account and assists with other financial tasks. For example, if Eno detects that you’ve started a new free trial, Eno will ask you whether you’d like a reminder before the trial period ends. If you respond that you would like a reminder, Eno will send you a message the day before the trial ends. This way, if you’d like to continue with the service, you can. But if you’d rather cancel, you can do so before you get charged. 

Eno will also reach out if a duplicate charge is spotted. For instance, if you go shopping and make a purchase, Eno can monitor the transaction. If two charges appear for the same amount on a single day for the same merchant, Eno can let you know about the double charge. This way, you’ll be able to look into the charges right away if they don’t seem correct. 

In addition, Eno can monitor your account for unusual activity. If Eno detects a suspicious charge that might be fraudulent, you’ll get an alert immediately. And if your card gets declined, Eno can reach out in real time to let you know why the card wasn’t accepted and help you resolve the issue. 

Read more details about all the ways Eno can help.

How do I get started with Eno?

Eno is completely free for Capital One customers. If you’re not a Capital One customer, you can check out a list of Capital One credit cards here

Then you can start using Eno in several ways. You might opt for:

  • Email and mobile app notifications: Eno can send you email and push notifications to help you stay on top of your finances. Ensure you’re able to receive these notifications by adjusting your contact information in the Capital One Mobile app or online
  • Text messages: To receive text messages from Eno, sign in to your Capital One online account, confirm your consent and start chatting with Eno by sending a text message to 227-898.

Eno helps track your automatic monthly payments and manage your account so you can save time. Then, instead of dealing with certain matters related to your finances, you can use the precious hours of your day to enjoy the subscriptions you have and spend more time doing the things you love.    

Learn more about Capital One’s response to COVID-19 and resources available to customers. For information about COVID-19, head over to the Centers for Disease Control and Prevention (CDC)

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

Eno is learning all the time and may not catch everything. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.

Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and Eno email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.

The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards. 

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