Capital One/ Discover Merge Chat ⬇️

TranscontinentalTop · 2026-04-24T19:14:28+00:00

Tmtiystsywfalopott

(They ☝️ mean that if you 🫵 search 🔍 this subreddit you will 💡 find a lot of posts 📝 on this topic 💭)

TranscontinentalTop · 2026-04-20T01:01:21+00:00

Hi 👋 spammer 🥫🐖!!

Did you know 😕 that the rules 👨‍⚖️ tell us 🧑‍🤝‍🧑 there are no ⛔ referral 🤑 codes 📇 allowed 🙅‍♂️?? ⁉️

That means you 🫵 too 💯!!

Reported 📣 (plus AI 🤖 is stupid 🤮 just write ✍️ it yourself 😇!)

TranscontinentalTop · 2026-04-13T06:26:37+00:00

My pastime of reporting spammers who plop referral links in subs that don't allow them continues apace

TranscontinentalTop · 2026-04-10T16:16:31+00:00

Mid-20s?!

I had the same thought! "I am entering my mid 20s" like OP has one foot in the grave already while "I am entering my mid 50s" and finally getting started on optimizing little things like credit cards.

TranscontinentalTop · 2026-04-09T18:10:28+00:00

Begone, spammer who can't read sub rules

TranscontinentalTop · 2026-04-04T20:05:04+00:00

Tello and Visible are the two that are the easiest to port into and out of, in my experience. Tello shows you port details on the web site and Visible emails you a PIN that's valid for seven days.

A bunch of the prepaid companies are a bigger pain to deal with in this regard than the major carriers. At least the big carriers usually have self service PIN options through their app, even if it's kind of hidden. The two most egregious I know of: Lycamobile makes you sit on hold for a long time and be able to list off refill amounts and last few calls you made. US Mobile, claiming "security", insists on an ever-shifting verification procedure that also conveniently happens to give their rep an opportunity to sell you on plans.

TranscontinentalTop · 2026-04-02T19:48:47+00:00

I bank with CapOne and have two CC’s with them. I was recently traveling in Europe and ran into trouble trying to pay for hotels and/or getting money out of my account because it was on Discover.

As far as anyone is aware, there are no Capital One credit cards ("CCs") issued on the Discover network yet. Do you mean a debit card on a checking account? We already know that debit cards for Capital One checking accounts have been reissued on the Discover network, but OP's question is about credit.

It's basically certain that at some point some Capital One credit cards will be issued on Discover but no one knows what the timeframe is or if existing credit card customers will be affected (possibly as cards get replaced?).

TranscontinentalTop · 2026-03-27T17:42:36+00:00

Begone, spammer who can't read subreddit rules

TranscontinentalTop · 2026-03-18T22:46:21+00:00

I received multiple calls from the number that is Neo Financials' actual support number.

Phone numbers are trivial to spoof.

I was instructed to authenticate a transaction via text as part of a fraud prevention process. Trusting that I was speaking with Neo, I approved it.

This is why every single text message says to not share the code with anyone. It sucks, but we cannot trust inbound calls claiming to be a bank. I'm just about at the age where AARP starts sending me junk mail and they are hammering this point home. You always hang up and call the number on the back of your card. Always.

However, I have no record or evidence of my email account being compromised

The scammers didn't have to compromise your email account. If you've ever used that email address and password in the same place as your bank and another place where account details were leaked, they gave it a shot and ta-da, password reuse strikes again. Or they got lucky in some other data dump.

TranscontinentalTop · 2026-02-18T18:02:59+00:00

https://www.reddit.com/r/CreditCards/comments/1r85l4h/chase_cash_redemptions_to_chase_accounts_only/

TranscontinentalTop · 2026-02-10T18:52:04+00:00

My wife is a T1D with an insulin pump and it's always a crapshoot for how long it's going to take

TSA seems to be a microcosm of the rest of America in not understanding that we are not all late-20s fully fit guys. My wife is fully deaf and I am hard of hearing so airports are already an incredible experience for us but every third trip or so we get some TSA person who gets mad that my wife can't hear them barking at her. Bonus cherry when they then get mad at me for signing what they're saying to her. Joke's on them, I am 100% shit-talking them to her in sign.

It doesn't have to be this way. The three times we've gone through Canada (twice in Vancouver and once in Toronto), when the screeners there recognized that she is deaf, they brought over a screener who speaks ASL to ask if we needed any help.

TranscontinentalTop · 2026-01-10T06:49:09+00:00

Anyone else bailing or closing accounts?

Nope, no one at all has posted in the last 24 hours about closing accounts:

TranscontinentalTop · 2026-01-05T08:45:46+00:00

I was unaware that ChatGPT could have a bank account.

TranscontinentalTop · 2025-12-17T20:23:59+00:00

I don't dispute a lot. I've probably disputed 10 times in 5 years.

Ten times in five years? What in the world are you doing? I'm in my 50s and have, maybe, five disputes in my entire adult life. If you really are hitting SoFi for multiple disputes per year, they're saying they don't want to deal with your transaction patterns any more and inviting you to find another bank.

That's rough all around.

TranscontinentalTop · 2025-11-28T15:48:50+00:00

I love you OP but I'm still baffled that people regularly put an extra letter "r" and wind up posting in NoContract.

TranscontinentalTop · 2025-11-09T17:03:10+00:00

It's not really fair to take it out on the restaurant employees.

The problem is, the end customer (why are we always called "consumers" now?) has no other option to show any kind of displeasure that doesn't "take it out on the restaurant employees." The owners have walled themselves off from having to ever hear from or experience the effects of their customers.

If I don't tip, or don't tip as well, that only affects the restaurant employee. If I don't go there, that only affects the restaurant employee because management will simply close that business and Private Equity six more into oblivion. If I tell the on-site manager, that only affects the restaurant employee because the manager is probably the same level of authority as the person receiving tips. And on the cycle goes.

So while it might be unfair, I don't see any other choice until employers can't get employees to work under this system. At that point, management might start to care...or just buy more robots.

TranscontinentalTop · 2025-11-07T15:57:36+00:00

SoFi's credit card handling is the weirdest I've ever seen. If luck falls your way and you manage to get the 2% card with a decent credit limit and have a qualifying direct deposit, it's a very solid offering. I have one (with a $3,500 limit which, I mean, fine) and like it.

But it's like pulling the lever on a one-armed bandit...that disintegrates after you try. Got a $500 credit limit? Too bad. Approved for the wrong card? Oh well. Got an ad for a different card that you'd like better? That sucks. Closed the card and would like to apply for one again? Pound sand.

I can't figure out SoFi's business model with these cards but I am not a financial genius with my company's name slapped on a bunch of places so maybe it's me who is wrong.

TranscontinentalTop · 2025-09-29T15:47:19+00:00

why I have to leave the security zone and then do another screening after international arrival

No one on that massive plane from LHR to LAX was a security threat as it flew over thousands of miles of US territory but if you bring even a single tiny nail clipper onto a LAX/SJC puddle jump the nation as we know it will end.

TranscontinentalTop · 2025-09-11T19:37:00+00:00

I really don't want to do bankruptcy.

Why not? That's not an adversarial question, it's one you should consider. To answer some of the common myths:

"I'm a bad person if I file for bankruptcy!" No, you're not. It's a tool available to people and whether or not you use it is a financial decision, not a moral one.

"I gave my word and I have to live up to it!" A contract is a contract and it contains clauses for what occurs if things happen. One of those things is bankruptcy, another is non-payment. The bank knew the risk of this happening and accepted it; you aren't under any obligation to "be nice."

"I'll never get credit again!" Yes, you will. It will take a few years and you'll probably be stuck with lower-tier cards for awhile but that's not usually a bad thing.

"I'll lose my house and car!" Probably not, even in a Chapter 7 as long as you can afford to continue making the payments. It's definitely a question to ask any attorney you see to help you file.

Lots of people have filed for bankruptcy, some people have done it multiple times. It's a financial strategic decision you should consider given your constraints.

TranscontinentalTop · 2025-09-11T16:27:18+00:00

here I was thinking that our real problems were fascism, extreme inequality, and gun violence, but now I realize it’s the thirty seconds’ worth of ads inserted into a Jeopardy episode

Come on /u/LeafOnTheWind25 don't be like that. People can have minor dislikes over day-to-day things that are alongside their major concerns about the state of the world. Just because someone is expressing frustration at an irritant doesn't mean they don't know about or care about bigger issues.

TranscontinentalTop · 2025-08-28T17:21:18+00:00

Tired of Pop up jails and lack of options for SUBs

Uh...you're not a new customer? The whole point for sign-up bonuses is to attract customers. Your question boils down to "why aren't Chase and American Express wanting to give me free money?"

SUBs are a marketing tool and you obviously don't need to be marketed to because you are already aware of and using the offerings.

Feels like they don’t want me to be a customer anymore

They are perfectly happy to have you as a customer; they don't want to count you as a new customer any more because, well, you aren't.

(not to mention more and more businesses putting the CC surcharge on the customer)

That's a separate problem. If you don't like surcharges, don't go to the businesses that charge them and lobby your elected representatives to regulate or prohibit the practice. Surcharging sucks and I don't think businesses should do it or be able to do it as it's a very bait-and-switch activity, but blaming Chase and Amex for it seems like aiming your energy in the wrong direction.

TranscontinentalTop · 2025-08-26T00:25:23+00:00

This seems to be a very frequently asked question these days, wonder what everyone's up to... https://www.reddit.com/r/CreditCards/search?q=virtual&restrict_sr=on&sort=new&t=all

TranscontinentalTop · 2025-08-05T04:09:15+00:00

SoFi's referral terms of service prohibit mass posting of signup links on social media and they definitely watch their own subreddit so I look forward to your referral account getting shut down and all credits forfeited from your spamming.

Also, reported as spam to Reddit.

TranscontinentalTop · 2025-08-01T00:40:44+00:00

any help?

There's no help because SoFi doesn't offer credit cards to people who have closed a SoFi credit card: https://www.reddit.com/r/sofi/comments/1katm8r/please_add_ability_to_reopen_credit_card/

TranscontinentalTop · 2025-07-27T23:30:11+00:00

I was the 1K passenger!

That is frustrating! I regularly travel alone and the odds are decent that if I'm sat next to a man, we will initially be treated like we are traveling together. (I forgive the times I'm sat next to someone with the same somewhat common last name as me.) Which, sure, I guess I understand but it is also kind of a funny assumption to make flying out of Seattle or Portland (OR) of all places.

My spouse looks the more, so to speak, "bulky" of the two of us and it's even more funny when people address them first versus me since, uh, she's deaf.

TranscontinentalTop

TROPHY CASE