Frequently Asked Questions

You can use your credit card to make purchases at any of the 22 million outlets worldwide that accepts VISA or MasterCard, depending which one you have. You can also use your card to make withdrawals from a cash machine.

You can spend any amount at any time as long as your total balance does not go over your credit limit. Remember to leave available credit on your account for any interest to be added.

Our contact centre are unable to authorise a credit limit increase over the phone.

We review each account on an individual basis and as you become eligible for a credit limit increase we will write to you and let you know.

Can I reduce my credit limit?
Yes at any time. Please sign in to your Online Account to send us a Secure Message and tell us how much you'd like us to reduce it to.

Your card is inserted in a Chip and PIN terminal, you will then have to enter your 4-digit PIN number on the keypad and be given a till receipt as normal. In the few outlets where there's no Chip & PIN facility the sales assistant will swipe the card through a machine and give you a credit card receipt to sign.

To complete your order, you normally need to type in the 16-digit account number and the card's expiry date that are both shown on your card. You may also need to enter your CVV number, which are the last three digits of the number on the back of your credit card.

You will usually need to give the merchant your name, your 16-digit account number and the expiry date. They are all printed on your credit card. They may request your CVV number, which are the last three digits of the number on the back of your card.

If the expected delivery date has passed, or if no delivery date was agreed and it is 28 days since the date of the transaction, contact the supplier. If you are unable to resolve this with the supplier or have any further queries please contact us.

Yes, you can withdraw cash using your credit card and PIN at any cash machine that displays the symbol on your card (VISA or MasterCard). We charge daily interest on cash withdrawals at your cash interest rate. You'll also be charged a fee of 3% of the amount withdrawn or £3 (whichever is greater).

A PIN (Personal Identification Number) is a 4-digit code that will enable you to withdraw cash from cash dispensers and make purchases. You must always keep your PIN secret and never reveal it to anyone else. We will never ask you for your PIN.

No, just as you don't currently confirm these purchases with a signature, you will not have to use your PIN. If you have signed up for MasterCard® SecureCode™ or Verified by VISA you may have to enter a password to make purchases at participating online retailers.

If you have a condition that restricts your ability to use a PIN protected credit card, please contact us so we can discuss alternatives.

Don't worry, you can view your current PIN online straight away. Simply sign in to your Online Account then select 'Account Maintenance' and choose 'View your PIN'.

Alternatively you can contact us to request a reminder PIN. This will be sent to you in the post and can take up to five working days.

For security reasons you have a limited number of unsuccessful PIN entries before your credit card becomes locked. If your card becomes locked:

• Find a MasterCard or Visa cash machine, insert your credit card and enter your PIN correctly.
• Select 'Other Services'
• Select 'PIN Services'
• Select 'Unlock PIN'.

You will be then be able to use your credit card again. If you have forgotten your PIN, don't worry you can view your PIN online. Simply sign in to your Online Account then select 'Account maintenance' and choose 'View your PIN'.

Yes. Your Chip and PIN card will work in the same way overseas as it does in the UK. If a retailer abroad does not have the Chip and PIN technology, you simply sign your name for your purchase.

We want you to have that extra peace of mind when using your Capital One credit card and this FREE insurance should give you that, by covering many of the things you buy against loss, damage or theft for 100 days after purchase. Please read your policy booklet for details of how this insurance works and the full terms & conditions.

Simply sign in to your Online Account and go to the More Information page and download the PDF of your Purchase Protection policy document.

A balance transfer is a facility that allows you to transfer any balances that you may have on other credit or store cards onto your Capital One card. There are several ways you can transfer a balance to your Capital One credit card:

• When you apply for a credit card - simply complete the balance transfer section of your application form.
• Online - Just sign in to your Online Account and click on the Account Maintenance tab and follow the simple instructions.
• Call us - 24 hours a day 7 days a week.

You can only transfer the balance of a properly maintained UK card account. Any balance that is transferred from a partner's account will become your responsibility when it is transferred to your Capital One account. Balances cannot be transferred between Capital One credit card accounts.

The minimum balance transfer amount is £50 and the amount must be rounded to the nearest pound. Please leave £100 of available credit after your balance transfer fee has been charged.

Your balance transfer funds will be sent to your nominated account and should be received within 1 working day. If your nominated bank does not accept faster payments it may take up to 5 days to fully process your balance transfer. If it takes longer than this, please send us a Secure Message or call us on 08444 814 000^† at any time for more details. If we've had to cancel your balance transfer for any reason, we'll write to you to explain why.

We advise you to continue making your minimum monthly payments to your other card until you get a letter from us confirming that the balance transfer has been processed or you see the balance transfer on your monthly statement.

Unfortunately, once you've requested a balance transfer, we cannot cancel it. You can contact the other company once the payment has been received to request a transfer back.