Give your account some TLC.
Have you ever been surprised by a large credit card bill? Sometimes “autopilot purchases,” such as subscriptions and food delivery orders, stack up behind the scenes. Sometimes errors happen, like being charged twice at your favourite coffee shop. Life can be unpredictable, but your credit card balance doesn’t have to remain a mystery until your statement arrives. Managing your account on a regular basis can help you stay in control of your finances.
If you’re a Capital One cardholder, the easiest way to keep an eye on your account is with online banking. After signing in to your account, you can view your balance, available credit and recent transactions.
When you start to review your account often, you’ll be the first to notice if an unexpected charge appears. If you don’t see it – don’t worry – we can help spot it for you. We’ll send you email notifications about charges on your Capital One credit card that you might not be anticipating†, such as an increase to a recurring bill.
Another benefit of monitoring your account is spotting fraud early on. While fraud doesn’t happen very often, it’s always good to keep an eye out for any unfamiliar charges. When it comes to fraud, you’re not on your own. We have you covered with 24/7 account monitoring and Zero Liability protection for unauthorized use of your credit card. That means you won’t pay for any unauthorized purchases on your card.
Maintaining your account doesn’t have to be difficult. In fact, it can be quite comforting once you get in the habit.
† Limitations apply. To receive unexpected charge notifications, your Capital One account must be in good standing, you must have an eligible email address on file, and you must not have unsubscribed from commercial emails from Capital One. Not available for some partner credit cards.
* If Quick Check pre-approves a card, you can be 100% sure we’ll approve your application as long as:
a. There’s been no change in your credit file information, personal information or financial status from the time you receive your Quick Check results to the time you apply for one of our credit cards;
b. You’re at least the age of majority in the province or territory you live in;
c. Your application isn’t flagged for fraud prevention;
d. You don’t have an existing Capital One account; and
e. You haven’t applied for a Capital One account in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.
In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.