Capital one prepaid credit card customer service

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The easiest way you can reach the Capital One credit card customer service is online, by either signing in to your account online or through Capital One's mobile app. Alternately, you can call (800) 227-4825. Lastly, you can contact them via mail, or at your local Capital One branch.

Here’s how you can contact Capital One credit card customer service:

  • Online: You can connect with a customer service representative through the live chat feature on your online accountor Capital One’s mobile app for iOS and Android.
  • By phone: If you prefer to contact customer service by phone, just call (800) 227-4825.
  • Via mail: You can also contact them via mail at:
    Capital One
    Attn: General Correspondence
    P.O. Box 30285
    Salt Lake City, UT 84130-0287
  • At a branch: Lastly, you could visit your nearest Capital One branch and talk to a customer care agent in person.

If you have a specific problem, like a dispute or investigation, you can directly reach the department you need by finding their corresponding contact info.

Ultimately, you can check Capital One’s FAQ page to see if there’s already a solution to your credit card issue.

For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can reach the Capital One Platinum Secured customer service by calling (800) 227-4825. While this isn’t a dedicated Capital One Platinum Secured customer service line, you’ll be reaching Capital one’s main credit card support number.

Other ways to get help with your Capital One Platinum Secured:

  • You can contact Capital One Platinum Secured customer service by mail, through the relevant department.
  • Capital One’s website and mobile app also provide many answers to Capital One Platinum Secured-related FAQs.
  • You can also significantly cut back on waiting times by directly contacting the relevant credit card support department, according to your specific needs.
  • You can address your queries in-person by visiting a Capital One branch.

If you have applied for the Capital One Platinum Secured and need to make a deposit, you can do so online. The sooner Capital One receives your minimum deposit, the sooner you can get your card.

Prepaid cards can be used to make purchases, similar to a debit or credit card. But unlike a bank card, your prepaid card comes with a balance that acts as your spending limit. Once you’ve spent the balance, the card becomes unusable until you add more money to it.

To better understand prepaid cards, read on and learn what they are and how they work.

Key Takeaways 

  • Prepaid cards are similar to credit cards and traditional debit cards, but they’re not linked to a line of credit or a bank account.
  • Like credit and traditional debit cards, prepaid debit cards can be a simple and safe alternative to carrying cash.
  • Prepaid cards can be used to make purchases as long as you hold a balance.
  • There are often fees associated with prepaid debit cards.

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What Is a Prepaid Card?

Let’s start with the basics. You might hear prepaid cards referred to as prepaid debit cards, pay-as-you-go cards or stored-value cards. But the basic principle remains the same: You buy a prepaid card, then use it to pay for purchases.

You can generally buy prepaid cards at banks or retail locations like grocery stores and drugstores. The cards come with either a set available balance or an option to load money onto the card. From there, you can use the card until you’ve depleted the balance. Once the money runs out, you won’t be able to make more purchases until you reload the card.

A prepaid card functions in some ways like other cards. This means you can swipe or insert it into point-of-sale systems to make your purchases and, in some cases, use it at ATMs to withdraw cash.

Prepaid Cards vs. Credit Cards or Debit Cards

A key factor that differentiates prepaid cards is that they aren’t linked to a bank account like a debit card is, and they aren’t linked to a line of credit like a credit card is.

When you use a prepaid card, you’re only using the money that you’ve loaded onto it. You aren’t borrowing any money, and the card doesn’t draw from any other financial accounts you may have.

That’s why you need to reload an empty card with more money if you want to continue using it.

Why Use a Prepaid Card?

There are several situations where a prepaid card could be helpful. Here are some of them:

  • You don’t want to carry cash. A single card can be easier to carry than a wad of bills, and it may also be a safer alternative to cash.
  • You want an extra layer of security. While a stolen prepaid card can be easy to use, a thief will only have access to the balance on the card—unlike a debit card, where they may be able to overdraw an account.
  • You want to limit your spending. A prepaid card can help you not spend more than the balance available on your card.
  • You need a checking account alternative. If you don’t have a checking account but want the convenience of using a card instead of cash, you may opt for a prepaid card.
  • You don’t want to impact your credit score. You don’t need a credit check to purchase a prepaid card, so it could be a helpful short-term credit card alternative.

How Do You Put Money on a Prepaid Card?

Once you’ve used the balance on a prepaid card, you have to add more money to it if you want to keep using it. There are several ways to do this:

  • Deposit money directly to the card from a checking account or another prepaid card.
  • Deposit money to the card from paychecks or other sources of regular income.
  • Reload the card at a retail location or bank using cash.
  • Purchase a reload pack to add a predetermined amount of money to your card. 

Do Prepaid Cards Build Credit?

The Consumer Financial Protection Bureau (CFPB) confirms that prepaid cards generally won’t help build your credit history. 

When you use a prepaid card, you aren’t borrowing money, and there’s no associated line of credit. That means activity on your prepaid card isn’t reported to any credit bureaus and doesn’t impact your credit score.

If your goal is to establish credit, you might consider applying for a traditional credit card. If that’s not an option, there are other ways to build credit from scratch, like applying for a secured credit card.

One way to keep an eye on your credit score is by using a credit monitoring tool like CreditWise from Capital One. It shows you key factors that may impact your VantageScore® 3.0 credit score, provided by TransUnion®. Plus, you’ll get email alerts when something meaningful changes on your TransUnion credit report and more. Using CreditWise to keep an eye on your credit won’t hurt your score. And it’s free for everyone, not just Capital One cardholders.

Prepaid Card Limitations

While there are some situations where prepaid cards might be helpful, they can come with certain disadvantages. 

One important thing to research before choosing a prepaid card are fees that might be associated with any number of different actions. According to the CFPB, you may be charged fees for a number of reasons, like: 

  • Withdrawing cash 
  • Making purchases
  • Reloading your card
  • Checking the balance on your card
  • Transferring money between cards 
  • Not using your card for a certain amount of time
  • Making foreign transactions
  • Using your card every month

The CFPB also points out that these fees vary in amount. 

Prepaid cards may also come with fewer protections than your typical credit or debit card. The government has taken steps to provide legal rights for prepaid cardholders, like a pathway to reimbursement should you lose your card or have it stolen. But these protections may not measure up to those of traditional credit or debit cards.

For example, you may need to register your card in order to get assistance from the card provider. Additionally, there’s a time limit for disputing charges. After that, you may be considered responsible for them, even if fraud is involved.

Prepaid Card Alternatives

Looking to give your credit score a boost? A secured credit card might be a good alternative. 

Even if your credit score is in what’s considered the bad or poor range, a secured card might be an option to help you build your credit with responsible use.

Prepaid Cards in a Nutshell

Prepaid cards work a lot like credit or debit cards. The key difference is that prepaid cards aren’t linked to a bank account or a line of credit. So to use one, you have to have money loaded on the card. Keep in mind that there are various fees often associated with using prepaid cards.

If you’re looking for a payment option that allows you to earn rewards on every purchase, you may want to consider a Capital One credit card. And with responsible use, like paying your statement on time each month, you could improve your credit scores over time.


We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. It may not be the same model your lender uses, but it can be one accurate measure of your credit health. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.

How does Capital One prepaid card work?

Think of prepaid cards like gift cards. Sometimes called "reloadable" cards, they require you to pay money upfront, which then goes on the card and can be used by swiping the card to make purchases (in place of cash or a check). Once the money on the card is used up, you'll have to refill it.

How do I contact Capital One credit card?

Contact by phone.
Customer Service: 1-800-CAPITAL (1-800-227-4825) (For servicing of existing accounts only).
Outside the US, call collect: 1-804-934-2001..
Online banking support: 1-866-750-0873..
Fraud Protection: 1-800-427-9428 or 1-800-239-7054..
International collect calls to report a lost or stolen card: 1-804-934-2001..

Does Capital One have 24 hour customer service?

Sign in to www.capitalone.com 24/7. Call our Interactive Phone Service with 24/7 access at 1-888-464-7868. Speak to an Associate at 1-800-289-1992 from 8 AM to 8 PM, 7 days a week.

Is the Capital One Platinum card a prepaid card?

How is the Capital One Platinum Secured Credit Card different from a prepaid card? Unlike a prepaid card, a secured card is an actual credit card that reports to the three major credit bureaus—providing the opportunity to build your credit, with responsible use.