Downsides Of Virtual Credit Cards
Returning items you order online to a physical location could be a challenge with virtual credit cards. Some stores require you to insert or swipe the card you used for the purchase to process your refund back to your card. The time it takes for a refund to show up on your credit card varies by vendor and card issuer.
This obviously isnt possible with a virtual credit card. In these cases, you may have to accept a store gift card instead of receiving the money back on your credit card.
Virtual credit cards that have short expiration dates can cause issues for subscriptions. To keep your subscription active, youll have to update the virtual credit card number each time it expires. If you forget, your subscription could be interrupted.
Other Capital One Accounts
If you have a Capital One savings account, certificate of deposit or checking account, the process for accessing your account will be similar. You’ll be asked for a user ID and password to enter. To set those up, you’ll need to set up accounts for those products by following the directions and prompts, which requires you to enter your account number, name and other relevant information.
If you want to sync a 360 account with another program, you’ll need to generate a Capital One access code to use with that account with the other platform. Visit your account, click on “Account Services and Settings,” then “Account Management,” then “Get Access Code.”
What The Mobile App Isnt
The Capital One mobile app isnt the same as the Capital One Digital Wallet and Mobile Payments. These are a set of services that allow you to make payments online or at retailers using several partners. Capital One credit cards are compatible with PayPal, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay. These services use their respective apps to allow you to make payments with your Capital One credit card, but this is not the same method as using your Capital One mobile app for payments. However, you can manage some of your digital wallet settings through the mobile app.
See related:What is a virtual credit card?
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How Do I Get A Virtual Card Number
A virtual card number is linked to a credit card account. And most virtual card numbers also require a tool, such as a browser extension, an app or a downloadable program of some kind.
Once youâre set up, you can typically shop online like normal. When itâs time to check out, the tool will generate virtual card numbers for you. The tool can also store and retrieve virtual card numbers for the next time you shop.
How Do I Get a Virtual Card Number From Capital One?
Capital One® virtual card numbers are possible thanks to Eno®, your Capital One assistant. Eno allows you to shop online without giving merchants your actual card number. And everything is fully integrated with your existing Capital One credit card account.
To use virtual card numbers, first add the Eno browser extension. Once youâve registered your Capital One credit card, Eno will generate a virtual card number for you when itâs time to pay. The only thing you need to do is fill in the shipping and billing information. And Eno automatically saves virtual card numbers for each merchant so they can be used again.
Charges will show up online in your transactions and on your monthly statements, just like they usually do. And you can manage all your virtual card numbers from an online dashboard. So itâs simple to keep track of where your virtual card numbers are used and stored.
How Are Virtual Card Numbers Different From Regular Credit Cards
Think of virtual card numbers as substitutes for your actual credit card number. The virtual numbers are still linked to your credit card account, but they allow you to use a different number to fill out payment information when you shop online.
This means your actual credit card is never given to the websites where you shopâadding another layer of security.
Some credit card companies give you a unique virtual card number for every website where you shop. And those virtual card numbers canât be used anywhere else. So if a merchant site is compromised, thereâs no way your virtual card number can be used to make purchases elsewhere. And your virtual card number canât be used to access your account data on your card issuerâs app or website either.
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Why You Might Want A Different Credit Card
The Journey Student Rewards from Capital One might not be the best card for all students. If you have better-than-average-credit or if the card isn’t a match for your spending, consider other options.
Here are a few reasons why you might consider a different credit card:
Other cards offer higher rewards rates. The Discover it® Student Cash Back, for example, earns 5% cash back in rotating categories on up to $1,500 in quarterly purchases . The card also comes with free FICO scores, security alerts and no foreign transaction fees. Discover notes that there’s no FICO history requirement for this card. It has a $0 annual fee.
Other cards offer a lower APR. The Citi Rewards+ Student Card offers an introductory 0% period for purchases a rare benefit on a student credit card. It earns 2 ThankYou points per $1 spent at supermarkets and gas stations and 1 point per $1 spent on all other purchases. Plus, all purchases are automatically rounded up to the nearest 10 points.
You’ll need to meet traditional credit requirements. If you lack a U.S. credit history, a Social Security number or both, the Deserve® EDU Mastercard for Students can be an excellent starter card. The issuer uses its own underwriting process to evaluate applications based on alternative criteria. The card earns 1% cash back on all purchases and it even offers some perks, too. It has a $0 annual fee. Terms apply.
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Do Virtual Account Numbers Expire
Virtual account numbers do eventually expire, just like real credit card numbers.
Now:
You have to keep track of each numbers expiration date.
If you pay for a recurring subscription with a virtual account number and it expires, you might lose service when the company tries to charge your now expired virtual card.
You can check the expiration date for your virtual card numbers by visiting the Eno control panel on the Capital One website.
Is It Merchant/transaction Specific
One of the best things about Eno:
You dont have to remember the virtual numbers that it creates for you.
Eno does all of that work for you.
Thats good news because youre likely to have a lot of virtual card numbers. The card numbers it creates are tied to the specific merchant youre buying from at the time that the number is created. If you want to use a virtual account number with a new merchant, youll need to make a new one.
Keep in mind, virtual account numbers are only for online shopping. You cant use them at brick-and-mortar stores.
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Should I Get The Journey Student Rewards From Capital One
If youre looking for high rewards rates or low interest rates, the Journey Student Rewards from Capital One may not be the best choice for you. But if youre seeking a simple, $0-annual-fee card that can help you build your credit and eventually qualify you for better terms, this is a very good starter card.
How To Download And Navigate The Capital One Mobile App
To download the Capital One mobile app, go to Apples App Store or . You can even text GET to 80101 to download the app. Once downloaded, youll need to log in using your username and password. If you dont have login credentials, you can set up online access through the app.
To get access, youll need to verify your phone number by receiving a text message and inputting a six-digit code thats part of that message. At that time, you can also choose to enable fingerprint access if your phone is compatible. Next, youll be asked whether you would like to enable notifications.
Once logged in, youll first see a screen with all your credit card accounts, along with your available credit and payment-due amounts. Other information on the home screen will include recent transactions, statements and documents, and account users. Youll also be able to access the Card Lock feature and replace a damaged or missing card.
From this screen, you can select an option to view a screen that displays further account details. This next screen is where youll see detailed account status information, such as minimum payment, last statement balance and last payment. This screen also displays the terms of your card, including fees and interest rates.
Another main screen shows your profile, which has links to your personal information, security settings and account settings. Other options include help, alerts and notifications, feedback and digital wallet manager.
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Looking Up Your Account Number Without A Card
What Is A Virtual Account Number
A virtual account number is a temporary credit card number that allows you to pay for an online purchase without giving away your real credit card information.
Every credit card has a card number.
For Capital One cards, the number is 16 digits long. That number, plus the expiration date and security code serve to identify your specific card. If someone is able to get ahold of your card number, they could use it to make online purchases without your permission.
When you create a virtual card number, you’re creating a second card number that is tied to your real card number. You can use this new, virtual card number to make purchases, and the charges will show up on your credit card account.
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Overview Of Capital One Credit Card
A Capital One card can be used to make purchases anywhere, whether it is online or in person. It also comes with price protection so that your purchase will remain at the same cost within 60 days. And for those who are new to credit, they can receive a credit line starting at $500 without any hassle.
The Meaning Of Credit Card Numbers
While they might seem random, each digit on your credit card is important for making purchases. Some individual digits have specific meanings. And others work as identifiers when grouped together. Typically the first six to eight digits, referred to as the Bank Identification Number or Issuer Identification Number , identify the card issuer. The remaining digits identify the cardholder.
Because each digit has meaning, itâs crucial to protect your credit card number. Avoid writing down or taking photos of the number, and always report a lost or stolen credit card to the card issuer.
First Number: Industry Identifier
Take a look at the first digit on a credit card. This digit will tell you two things: The payment network and the industry associated with the card. If the first digit is a 3, the payment network is American Express. Visas start with 4, Mastercards typically with 2 or 5 and Discovers with 6.
Besides the payment network, the first digit identifies which industry the card is associated with. This digit is the Major Industry Identifier :
- 1 and 2 belong to cards associated with air travel and financial services.
- 2-6 are typically used for everyday financial and banking uses.
- 7 is for the petroleum industry.
- 8 is for health care and telecommunications.
- 9 is open for use by the government and is basically the âotherâ category.
Identification Numbers
Account Identifier
Last Number: Checksum
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Benefits Of Virtual Credit Cards
The main benefit of virtual credit cards is the ability to close the account. If your main account number is exposed in a data breach because you didnt use a virtual credit card, youd have to get your main credit card account number reissued. That means youll get a new account number. Unfortunately, this can cause issues with every vendor youve set up recurring payments with using your previous card number.
Instead, the virtual credit card feature allows you to keep your main credit card account open. At the same time, closing the virtual card mitigates the risk of your main account being exposed in a data breach. It also saves you the hassle of tracking down and updating your recurring payments with vendors other than the one affected by the breach.
If you want to focus on limiting your spending with certain merchants, a virtual credit card can help with that, too. Depending on your card issuer, you may be able to set up a virtual account number with the spending limit you have in mind. Once you reach that limit, you wont be able to make any more charges with that account number.
How To Check A Capital One Credit Card Application Status
If you dont want to wait to receive your new card or denial letter, there are other ways you can check your application status with Capital One.
The best way is to call the company directly. Capital One advises applicants to contact them at 1-800-903-9177 to check their credit card application status. When you call the company, they will likely ask for your Social Security number.
Capital One, unlike some other credit card companies, doesnt let applicants check their status online. The Capital One phone number is the only currently available option for checking status. Capital One doesnt provide a contact email address to check an application status, either.
If you are declined for a Capital One credit card, you might receive a copy of your denial letter online. If not, you can contact the company at the same number as above, and they will mail you another copy.
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How To Find Your Credit Card Account Number
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If you have a credit card, you may need to know your account number to pay your bill or to access your information. Luckily, its easy to find your account number with or without your credit card on hand.
Using A Mobile Banking App
You can learn about the features of Capital One’s online banking app via the company’s website. You can download the app from Apple’s App Store or Google Play. Once the app loads, follow the directions to set up your account.
You’ll need your account information to set up your app, similar to what you need to set up your online account access. If you want added security, don’t allow your phone to save your password for the app.
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Locating The Account Number On Your Card