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Cap 1 not accepted?

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MissMc89
New Contributor

Cap 1 not accepted?

I went to a restaurant tonight and was surprised/confused when my server brought back my card and told me they don't accept Capital One cards. Whaaaaaaaaaat?! I've only ever heard of that happening with Amex. Thankfully I had my debit card on me because the only cards I have in my wallet are Cap One (Venture and QS) and store cards, and I doubt they accept J. Crew or Victoria's Secret. :/ How common is this? 



Message 1 of 35
34 REPLIES 34
UncleB
Credit Mentor

Re: Cap 1 not accepted?


@MissMc89 wrote:

I went to a restaurant tonight and was surprised/confused when my server brought back my card and told me they don't accept Capital One cards. Whaaaaaaaaaat?! I've only ever heard of that happening with Amex. Thankfully I had my debit card on me because the only cards I have in my wallet are Cap One (Venture and QS) and store cards, and I doubt they accept J. Crew or Victoria's Secret. :/ How common is this? 


Is your card by any chance a Venture? 

 

I've read tales of this happening when the Visa/Mastercard ensignia is on the back of the card instead of the 'usual' place on the front. 

 

Apparently some cashiers don't bother to turn the card over, and just see "Capital One" on the front (or Citi, for the Double-Cash card) and assume they aren't supposed to take it since the familiar emblem isn't on the bottom right hand corner.

 

If it happens again, I would *insist* on them taking the card - I would start by having them look at the back.  Actually, I'm not one to complain, but this is one of the few times I would ask for a manager.  It's not my job to educate cashiers/servers about what payment types their own business accepts, and the manager needs to know there's a training opportunity.

 

Edit:  Just re-read in your original post that your Capital One cards are Venture and QS... was it the Venture you had the problem with?

Message 2 of 35
Anonymous
Not applicable

Re: Cap 1 not accepted?

Never had a Cap 1 card, but your server probably was mistaken. UncleB's post explains what likely happened. Next time, have them flip the card and show them it is a Visa/MC issued by Cap 1 and not a "Cap 1" network card. Also, generally speaking if a business accepts 1 Visa card, they have to accept ALL Visa cards. Same applies for MasterCard. Unless they don't accept the network your Cap1 card uses, they can't selectively not accept the card. 

Message 3 of 35
Anonymous
Not applicable

Re: Cap 1 not accepted?

to go on what's previously stated, if they take visa they have to take all visas no matter what. you should have told them to run it and try. odds are they didn't even attempt
Message 4 of 35
taxi818
Super Contributor

Re: Cap 1 not accepted?


@Anonymous wrote:
to go on what's previously stated, if they take visa they have to take all visas no matter what. you should have told them to run it and try. odds are they didn't even attempt

Exactly you take all or none. Don't ,tater who issues it. Should have asked for manager. Amex is issuer. As well as network. Not like cap one. They are just bank. 

Message 5 of 35
MissMc89
New Contributor

Re: Cap 1 not accepted?


@UncleB wrote:

@MissMc89 wrote:

I went to a restaurant tonight and was surprised/confused when my server brought back my card and told me they don't accept Capital One cards. Whaaaaaaaaaat?! I've only ever heard of that happening with Amex. Thankfully I had my debit card on me because the only cards I have in my wallet are Cap One (Venture and QS) and store cards, and I doubt they accept J. Crew or Victoria's Secret. :/ How common is this? 


Is your card by any chance a Venture? 

 

I've read tales of this happening when the Visa/Mastercard ensignia is on the back of the card instead of the 'usual' place on the front. 

 

Apparently some cashiers don't bother to turn the card over, and just see "Capital One" on the front (or Citi, for the Double-Cash card) and assume they aren't supposed to take it since the familiar emblem isn't on the bottom right hand corner.

 

If it happens again, I would *insist* on them taking the card - I would start by having them look at the back.  Actually, I'm not one to complain, but this is one of the few times I would ask for a manager.  It's not my job to educate cashiers/servers about what payment types their own business accepts, and the manager needs to know there's a training opportunity.

 

Edit:  Just re-read in your original post that your Capital One cards are Venture and QS... was it the Venture you had the problem with?


Yes it was. My server was pretty inept all around, so it should've occcurred to me that the numbers being on a different side might be an issue. But seriously everyone else just turns it around to see. smh 



Message 6 of 35
icyhot
Valued Contributor

Re: Cap 1 not accepted?

OMG that would've annoyed me. I would've said "but you take Visa, yes? Ok this is a Visa card" lol like seriously
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Message 7 of 35
NRB525
Super Contributor

Re: Cap 1 not accepted?


@MissMc89 wrote:

@UncleB wrote:

@MissMc89 wrote:

I went to a restaurant tonight and was surprised/confused when my server brought back my card and told me they don't accept Capital One cards. Whaaaaaaaaaat?! I've only ever heard of that happening with Amex. Thankfully I had my debit card on me because the only cards I have in my wallet are Cap One (Venture and QS) and store cards, and I doubt they accept J. Crew or Victoria's Secret. :/ How common is this? 


Is your card by any chance a Venture? 

 

I've read tales of this happening when the Visa/Mastercard ensignia is on the back of the card instead of the 'usual' place on the front. 

 

Apparently some cashiers don't bother to turn the card over, and just see "Capital One" on the front (or Citi, for the Double-Cash card) and assume they aren't supposed to take it since the familiar emblem isn't on the bottom right hand corner.

 

If it happens again, I would *insist* on them taking the card - I would start by having them look at the back.  Actually, I'm not one to complain, but this is one of the few times I would ask for a manager.  It's not my job to educate cashiers/servers about what payment types their own business accepts, and the manager needs to know there's a training opportunity.

 

Edit:  Just re-read in your original post that your Capital One cards are Venture and QS... was it the Venture you had the problem with?


Yes it was. My server was pretty inept all around, so it should've occcurred to me that the numbers being on a different side might be an issue. But seriously everyone else just turns it around to see. smh 


Joke time:

While building a house, one construction worker picks a number of nails out of the nail box and throws them away.

The other construction worker asks him what he's doing.

"These nails are not pointing to the wall, so I can't use them."

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 8 of 35
Anonymous
Not applicable

Re: Cap 1 not accepted?


@NRB525 wrote:

@MissMc89 wrote:

@UncleB wrote:

@MissMc89 wrote:

I went to a restaurant tonight and was surprised/confused when my server brought back my card and told me they don't accept Capital One cards. Whaaaaaaaaaat?! I've only ever heard of that happening with Amex. Thankfully I had my debit card on me because the only cards I have in my wallet are Cap One (Venture and QS) and store cards, and I doubt they accept J. Crew or Victoria's Secret. :/ How common is this? 


Is your card by any chance a Venture? 

 

I've read tales of this happening when the Visa/Mastercard ensignia is on the back of the card instead of the 'usual' place on the front. 

 

Apparently some cashiers don't bother to turn the card over, and just see "Capital One" on the front (or Citi, for the Double-Cash card) and assume they aren't supposed to take it since the familiar emblem isn't on the bottom right hand corner.

 

If it happens again, I would *insist* on them taking the card - I would start by having them look at the back.  Actually, I'm not one to complain, but this is one of the few times I would ask for a manager.  It's not my job to educate cashiers/servers about what payment types their own business accepts, and the manager needs to know there's a training opportunity.

 

Edit:  Just re-read in your original post that your Capital One cards are Venture and QS... was it the Venture you had the problem with?


Yes it was. My server was pretty inept all around, so it should've occcurred to me that the numbers being on a different side might be an issue. But seriously everyone else just turns it around to see. smh 


Joke time:

While building a house, one construction worker picks a number of nails out of the nail box and throws them away.

The other construction worker asks him what he's doing.

"These nails are not pointing to the wall, so I can't use them."


Smiley LOL

Message 9 of 35
OmarGB9
Community Leader
Super Contributor

Re: Cap 1 not accepted?

Yea server probably though cap1 was a payment network rather than an issuing bank lol

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Currently rebuilding as of 04/11/2019.

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Message 10 of 35
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