Sadly yes. They did the same thing to me too. Capital One won't let you grow. After my bankruptcy I had the Capital One card for 10 years paying their annual fee. Unfortunately my own bank (RBC were equally hard on me.) Finally I reached out to BMO and they were really good to me. Now have a BMO credit card. I canceled my Capital One card. They helped me regain my credit rating but their strategy seems to keep people locked in. Seems kind of predatory to me. I would have thought they'd want to keep customer loyalty but they just didn't care. I also went right to their management several times. Pay it off and move on. It's truly possible. Good Luck! Answer from EssentalService on reddit.com
Capital One
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Secured, Guaranteed and Rewards Credit Cards | Capital One Canada
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Reddit
reddit.com › r/personalfinancecanada › capital one canada - any experience?
r/PersonalFinanceCanada on Reddit: Capital One Canada - Any Experience?
January 9, 2025 -
I've had a gold mastercard from capital one for literally a year less 5 days so far (Jan 13 2024)
I want to switch to a card with no annual fee, and can't find any information on what capital one could do for me. I called and they don't allow product changes, and told me I need to close my account and apply for a new one after 30 days. They also said some people can have 2 cards, but refused to provide me with any information on the criteria for this.
Essentially they were not helpful at all. They've also kept my limit at $300 the whole time so far which i understand, cause I got the card right after bankruptcy. But the lack of customer support is crazy.
They kept referring to the online system, which is told them wasn't giving me any information either.
Anyone have experience?
Top answer 1 of 9
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Sadly yes. They did the same thing to me too. Capital One won't let you grow. After my bankruptcy I had the Capital One card for 10 years paying their annual fee. Unfortunately my own bank (RBC were equally hard on me.) Finally I reached out to BMO and they were really good to me. Now have a BMO credit card. I canceled my Capital One card. They helped me regain my credit rating but their strategy seems to keep people locked in. Seems kind of predatory to me. I would have thought they'd want to keep customer loyalty but they just didn't care. I also went right to their management several times. Pay it off and move on. It's truly possible. Good Luck!
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I had their basic card for like 5+ years after a consumer proposal and it was at the core of rebuilding my credit - went from the initial $300 limit now to about $3000 - great product!
Can I get a Capital One card in Canada?
Yes, five credit cards are available through Capital One Canada.
forbes.com
forbes.com › advisor › ca › credit-cards › best › capital-one
Best Capital One Credit Cards In Canada For 2025 – Forbes Advisor ...
Where can I pay my Capital One credit card?
You can make an electronic payment using your bank’s online banking platform. You can also set up a preauthorized debit service to pay your bill.
forbes.com
forbes.com › advisor › ca › credit-cards › best › capital-one
Best Capital One Credit Cards In Canada For 2025 – Forbes Advisor ...
What is the best Capital One card?
The best Capital One credit card for you depends on what it’s used for. If you’re looking for travel rewards, consider the Capital One Aspire Travel Platinum Mastercard. If you want cash back, check out the Capital One Aspire Cash Platinum Mastercard. Both received perfect scores in our ranking.
forbes.com
forbes.com › advisor › ca › credit-cards › best › capital-one
Best Capital One Credit Cards In Canada For 2025 – Forbes Advisor ...
Forbes Advisor
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Best Capital One Credit Cards In Canada For 2025 – Forbes Advisor Canada
September 12, 2025 - The Capital One Guaranteed Mastercard and the Capital One Guaranteed Secured Mastercard offer guaranteed approval. You can make an electronic payment using your bank’s online banking platform. You can also set up a preauthorized debit service to pay your bill. Yes, five credit cards are available through Capital One Canada.
Capital One
capitalone.com › learn & grow › money management › using credit cards in canada
Can I Use My Credit Card in Canada? | Capital One
Capital One no longer requires that you share your international travel plans. But it still recommends updating your contact information in case it needs to reach you about suspected fraud. Using a U.S. credit card in Canada should be as simple as using it at home.
Google Play
play.google.com › store › apps › details › Capital_One_Canada
Capital One Canada – Apps on Google Play
With the Capital One Canada app for Android, you can check: • Current credit card balance, available credit, payment amount and due date • Recent purchase and payment activity • Transaction details • Current rewards balance (if applicable) • Statements Plus, turn on notifications to stay on top of your account activity, like when payments are due, posted and past due.
Milesopedia
milesopedia.com › home › capital one canada’s best credit cards – december 2025
Capital One Canada's Best Credit Cards | December 2025 | Milesopedia
November 1, 2025 - For a limited time, you can get 5% cash back for the first 6 months, up to $150. The VoyagesPlus Platinum MastercardMD Capital One® is a no-annual-fee credit card with travel rewards.
Google Play
play.google.com › store › apps › details
Capital One Canada - Apps on Google Play
With the Capital One Canada app for Android, you can check: • Current credit card balance, available credit, payment amount and due date • Recent purchase and payment activity • Transaction details • Current rewards balance (if applicable) • Statements Plus, turn on notifications to stay on top of your account activity, like when payments are due, posted and past due.
Loans Canada
loanscanada.ca › credit-cards › capital-one-guaranteed-mastercard
Capital One Guaranteed Mastercard® | Loans Canada
January 13, 2025 - Capital One Guaranteed Mastercard® is a great option for Canadian consumers looking to help build their credit.
CreditCardGenius
creditcardgenius.ca › credit-cards › capital-one-guaranteed-mastercard
Capital One Guaranteed Mastercard December 2025
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Capital One
capitalone.com › home
Capital One | Credit Cards, Checking, Savings & Auto Loans
Explore Capital One accounts for you and your business - including credit cards, checking accounts, savings accounts, auto loans and more.
Ratehub.ca
ratehub.ca › credit-cards › capital-one
Capital One credit cards in Canada | Ratehub.ca
October 24, 2025 - Add in no expiry on points, free authorized users, and 24/7 travel and emergency support, and this Mastercard becomes a solid everyday card for those looking to build strong credit habits and still enjoy meaningful benefits. ... Earn points for payments: Get 5 points for every $1 you pay toward your balance. For example, if you pay $150, you’ll earn 750 points, which can be redeemed for $1 off your next statement or applied to a gift card. Simple redemption: Redeem directly in the Capital One mobile app or online banking for statement credits or gift cards.
Money.ca
money.ca › credit-cards › which-capital-one-credit-card-is-the-best-fit-for-you
Compare the Best Capital One Credit Cards in Canada
October 21, 2025 - ... The Capital One Guaranteed Mastercard® is designed for individuals with less-than-perfect credit histories, offering guaranteed approval* and the opportunity to rebuild credit.
Wikipedia
en.wikipedia.org › wiki › Capital_One
Capital One - Wikipedia
3 weeks ago - It is the sixth-largest bank in ... Visa and Mastercard credit cards, and one of the largest car finance companies in the United States. The bank has approximately 750 branches, including 30 café style locations, and 2,000 ATMs. It is ranked 82nd on the Fortune 500, 15th on Fortune's 100 Best Companies to Work For list, and conducts business in the United States, Canada, and the United ...
Reddit
reddit.com › r/povertyfinancecanada › capital one gold mastercard?
r/povertyfinancecanada on Reddit: Capital one gold MasterCard?
June 17, 2024 -
So I signed up for a gold MasterCard and it says I have it in the app and a 300 dollar limit I signed up for one because I'm broke and need to get groceries but I have no idea how to set up a virtual card...
YouTube
youtube.com › CapitalOneCanada
Capital One Canada - YouTube
Welcome to the Capital One Canada YouTube channel. We’re here to help you succeed with credit. Take a look around for tips on managing your credit and tricks to get the most out of your online banking. Ask us questions, share your stories and follow us on Instagram, Facebook and Twitter.
Capital One
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Capital One Sign In: Log in to access your account(s)
Sign in to access all of your Capital One accounts. View account balances, pay bills, transfer money and more.
App Store
apps.apple.com › ca › app › capital-one-canada › id808215470
Capital One Canada App - App Store
With the Capital One Canada app for iOS, you can view: • Current credit card balance, available credit, payment amount and due date • Recent purchase and payment activity • Transaction details • Current rewards balance (if applicable) • Statements Plus, turn on notifications to stay on top of your account activity, like when payments are due, posted and past due.