Yes, you can activate your new credit card online. When you receive your card in the mail, visit www.capitalone.com/activate. If you haven’t already, you’ll need to create your online banking username and password. Then you’ll need to enter the 3-digit CVV code from the back of your card to complete activation.
Paying online is easy. You can schedule up to three payments at a time up to 90 days in advance. First you’ll need to set up a bank account to pay from. Once you’ve set up a payment account, choose “Make a One-Time Payment” from the Payments menu and select three things:
The credit card account you want to pay
The date you want to pay. You can schedule up to three payments at a time.
If you've signed up for online servicing, you can check to see if a recent payment has posted by checking the Transactions & Details page. If you're not yet enrolled to manage your account online, please go to the enrollment page for our online banking site and follow the instructions.
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-CAPITAL (1-800-227-4825) (Small Business Card customers call 1-800-867-0904).
Yes. Once you're signed up for online servicing, you’ll need to set up a payment account to make the payments from. Then you can set up AutoPay (automatic monthly payments), and your payment will be made on your due date each month.
Yes. Once you're signed up… log in, choose “Make a Payment” from the Payments menu. On this screen, you can enter the date that you want to make your payment. You may schedule up to three future payments up to 90 days in advance. If you're not yet signed up to manage your account online, please go to the enrollment page for our online banking site and follow the instructions.
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 1-800-955-7070 to make a payment over the phone (Small Business Card customers call 1-800-867-0904).
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.
If you've signed up for online servicing, log in and choose the Transactions & Details page from the Accounts menu. This displays all activity that has posted to your account since your most recent online statement.
If you're not yet signed up to manage your account online, please go to the enrollment page for online servicing 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.
You can adjust your statement delivery settings through Online Banking. Simply sign in to your account, and click the My Info tab. Then click the (+) next to Update my paperless settings to expand that section.
To stop paper delivery of documents and/or statements, select the Online Only check-box associated with the account you wish to modify and hit update.
Once 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, enroll now at capitalone.com
You can adjust your statement delivery settings through Online Banking. Simply sign in to your account, and click on the My Info tab. From there, click the (+) sign next to the Update my paperless settings section. Once there, de-select the Online Only check-box associated with the account you wish to modify and hit update.
If you un-enroll from your paperless setting within 48 hours of your statement cycle date, then your next statement will be electronic and all statements following will be paper. Otherwise, you will receive a paper statement for the current cycle.
If you're not yet enrolled to manage your account online, enroll now at capitalone.com.
You may also call us at 1-866-750-0873 and one of our representatives will be able to assist you. If you call, make sure to have your account number ready.
Yes. You will continue to receive your printed statement upon enrolling in Online Banking.
If you want to receive your statements online only and stop receiving them by U.S. mail, you can do so through Online Banking. Sign in to your account, and click the My Info tab. Then click the (+) next to Update my paperless settings to expand that section.
To stop paper delivery of documents and/or statements, select the Online Only check-box associated with the account you wish to modify.
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.
You can contact us to dispute a charge in any one of the following ways:
Sign in to your online account and go to the Transactions & Details page. If you have more than one account, you'll first need to select the correct account from the drop-down menu. Next, click on the Posted Transaction in question (Pending Transactions can not be disputed), then click the “File a Dispute” link and provide the requested information.
Write about your dispute to Capital One, P.O. Box 30279, Salt Lake City, UT 84130-0285.
Fax a description of your dispute to 1-888-435-4217.
Call us anytime at 1-800-CAPITAL (1-800-227-4825).
Please see the back of your statement for additional information.
Yes for qualified customers. It is an organized, itemized summary of all your transactions for last year, and it may help you significantly reduce the time you spend on tax preparation. It can also be a useful tool for managing your business finances or planning a budget.
Your Year-End Summary is a list of all your Capital One card purchases, cash advances, fees, and check transactions from last year. The transactions are separated into descriptive categories, so reviewing your spending is quick and easy.
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 sign in. It doesn't consolidate their balances or change them in any way.
To link all of your credit card accounts to one user name and password, sign in and click the Services tab. Once there, click the “Link Your Accounts” link in the Online Servicing column and follow the instructions on the page.
Your mailing address can easily be changed online. Just sign in to Online Banking, and click the My Info tab. From there, click the (+) sign to expand the Update my contact information section. From this section, you can edit: primary email, phone numbers, and mailing address.
If you have more than one account, you will be able to apply this change for all.
Your password can easily be changed online. Once you are signed into Online Banking, click the My Info tab. From there, click the (+) sign to expand the Update my Sign in information section and click Edit beside the Password section to update.
Your user name can easily be changed online. Once you are signed into Online Banking, click the My Info tab. From there, click the (+) sign to expand the Update my Sign in information section and click Edit beside the User Name section to update.
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.
Reporting your lost or stolen card online is the fastest way to start the process of getting a replacement card. When you do that, we’ll deactivate your old card so no one else can use it, and you can tell us if there are purchases on your account you didn’t make. If you can't complete the process online, call 1-800-955-7070. If you are a small business customer, call 1-800-867-0904. From outside the United States, call our collect number at 804-934–2001.
Clear your browser’s cookies by following the steps below:
Clearing the cookies will delete information (such as sign in information) that’s saved on your computer from websites, including capitalone.com.
Close all Internet Explorer windows that are currently open.
Start Internet Explorer. (Note: If you're using Windows 8 or 8.1, you'll need to start Internet Explorer from the desktop.)
Click on the 'Tools' menu and click 'Delete Browsing History.
Close all browser windows and re-launch Internet Explorer.
To the right of the address bar, click the Chrome Menu Icon.
From the drop-down menu, select 'History.'
At the top of the page have the Customer click “Clear browsing data.”
Once the process has finished, close all Google Chrome windows and re-launch the browser.
Click on Safari in the Safari menu, located at the top of the screen.
Choose the option labeled “Empty Cache” from the drop-down menu.
Restart your browser.
Click the Firefox menu button
From the Help menu choose “History”.
Click “Clear Recent History”.
Once the process has finished, close all Firefox windows and re-launch the browser
After following the steps above, close the browser completely and re-launch. You should visit capitalone.com without using a bookmark.
NOTE: You should use an alternative browser if you continue to receive errors.
If you are a new customer and have not activated your card yet, call Capital One at the number on the back of your card to activate it and select a PIN of your choosing or have one auto generated and sent to you in the mail.
If you do not currently know your PIN, call Capital One at the number on the back of your card and request that a PIN be mailed to you.
If you know your PIN and wish to change it, you may call Capital One at the number on the back of your card and provide the current PIN on file before selecting a new PIN of your choosing.
In the meantime, should you need cash, you can go inside a bank and present your credit card and picture ID.
When activating your account, you have the option of selecting your own PIN, receiving a system generated PIN, or declining a PIN:
If you select your own PIN, you can begin using it immediately.
If you choose to receive a system generated PIN, one will be sent to you in the mail.
If you decline a PIN, the system will automatically assign a default PIN to the account. If you need this PIN at a later time, you can call Capital One at the number on the back of your card and request it be sent to you in the mail.
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 contact options, which you can access once you have signed in to Online Banking. Once you’ve signed in to your online account, simply click on Contact Us in the top right corner of your screen.
Multifactor authentication is an extra level of authentication for verifying a customer's identity and preventing unauthorized users from accessing financial information.
At enrollment you will set up a series of five security questions. These questions do expire, so from time to time, you may be asked to update your questions upon signing into your account. In this instance, you will be presented with a selection of five sets of questions. You’ll be asked to choose the five that are the most meaningful to you and to type in your answers.
You may be asked to answer security questions if our systems require verification that it is you attempting to access your account. These questions are also used to gain access to your account in the event that you have forgotten your username and password. This is an added layer of security to ensure that the right person is signing into your online account.
If you wish to change your security questions, you can do so online. Just sign in to Online Banking, then click the My Info tab. Click the (+) sign next to Update my sign in information and select the Edit button next to the Security Questions section to update.
There’s no fixed amount that you can go over your limit. There are a lot of factors we consider when it comes to going over a credit limit. Also, keep in mind that your transactions are approved individually, and that we can’t guarantee that you will always be approved to exceed your credit limit.
Our decision to no longer offer enrollment into Over the Credit Limit Coverage does not affect the coverage you have on your other account(s). If a decision is made that impacts your current account, you will be notified.
If you have Over the Credit Limit Coverage, there is no guarantee that transactions that exceed your credit limit will be approved, as there are many account factors that impact the decision. If a transaction that takes you over your credit limit is declined, you will not be charged an over-limit fee for that transaction.
Even with Over the Credit Limit Coverage, there is no guarantee that transactions will be approved. In some cases we may decline a transaction that would cause you to go over your credit limit, such as if you are past due, already over your credit limit, have recently opened your account, or for other factors. Please keep in mind, if a transaction that takes you over your credit limit is declined, you will not be charged an over-limit fee for that transaction.
Unfortunately, if you cancel Over the Credit Limit Coverage you will not be able to restore the option to go over limit as we are no longer accepting new enrollments. We do offer the ability for you to monitor your balance and available credit through customizable alerts. You may set up customizable alerts by signing-in to your account online and clicking on the Messages and Alerts tab.
If you cancel this coverage, you may not be allowed to make charges over your credit limit, which means your card could be declined. You may also be charged an over-limit fee if you are currently over limit or go over limit before your request to cancel has been processed.
You can cancel Payment Protection by calling Payment Protection at 1-888-527-6904 and select the option to cancel, either using the automated system or speaking with a customer service representative. We’re available Monday-Friday, 9 a.m.-9 p.m. ET and Saturday, 9 a.m.-3 p.m. ET.
Capital One Payment Protection is an optional debt cancellation product that will make benefit payments to a customer’s account in the event of an eligible loss (such as involuntary unemployment, or temporary disability). Payment Protection is not a credit card insurance product. Depending on the type of benefit request, if approved, Payment Protection will pay the minimum monthly payment due on the eligible balance, potentially up to 12 consecutive months, or will pay the eligible balance as of the date loss, up to $10,000.
Certain eligibility requirements, conditions and exclusions apply. Payment Protection charges a monthly fee based on the amount of your statement ending balance. For more information call 1-888-527-6904 and select the option to speak to a Benefit Specialist. We’re available Monday-Friday, 9 a.m.-9 p.m. ET and Saturday, 9 a.m.-3 p.m. ET.
If you believe you have a loss eligible for Payment Protection benefits, you will need to contact Payment Protection to make a benefit request. You can call Payment Protection at 1-888-527-6904 and select the option to speak to a Benefit Specialist. We’re available Monday-Friday, 9 a.m.-9 p.m. ET and Saturday, 9 a.m.-3 p.m. ET.
Capital One created the Online Documents Center to share important communications we have for you about your credit card. It's easy to access and will make keeping track of important information much easier.
A wide variety of documents will come to you through the Online Documents Center--everything from notifications of changing credit card terms, important disclosures, updates to credit card regulations, and any information you may have requested from customer service.
Not always. It depends on the type of document and the laws and regulations governing that document. So it's important to visit the Online Documents Center whenever you receive notification of a new document. You can always print or download a copy for your records.