How do I use my Capital One credit card for an ATM withdrawal?

You can order a Capital One credit card PIN online or by calling Capital One’s automated system at 1-800-227-4825. You may have the option to get the PIN immediately by email or text. If not, it will come in 7-10 business days by mail. You don’t need a Capital One credit card PIN to make purchases. But you will need one to do a cash advance at an ATM. And it may come in handy in foreign countries that use chip-and-PIN card readers.… read full answer

Ordering a Capital One credit card PIN for emergency cash advances isn’t a bad idea, but you should be careful not to use your card at an ATM too often. Cash advances come with hefty fees, and interest starts accruing immediately.

Here’s how to get a Capital One credit card PIN:

• Online. Log into your Capital One account and click on “More Account Settings,” then “Control Your Card,” and finally “Get a Cash Advance.” You may have the option to get a PIN instantly by email or text. Otherwise, you’ll have to request one by mail, and it will take 7-10 business days to arrive.
• By phone. Call 1-800-227-4825, enter your card number and follow the prompts to request a PIN. You’ll get it by mail in 7-10 business days. If you already have a PIN and want to change it, you can choose a new number right away.

While you cannot get a Capital One credit card PIN through the Capital One mobile app, you can change your debit card PIN through the app at any time. Just go to “Debit Card Help” and select “Change PIN.” To change a debit card PIN online, log in to your account and go to “Account Services & Settings,” then “Change PIN.”

You can pay your Capital One credit card bill in person at Capital One bank branches, any 7-Eleven and the Money Services counters in Kroger brand stores. Payments can also be made at MoneyGram and Western Union locations, which are often found inside Walmart, Rite Aid, Walgreens and Money Tree. … read full answer

If you have a Capital One checking account, you can use one of 39,000 fee-free Capital One ATMs to deposit cash or checks. You can then make your payment online, by phone or using the mobile app. Popular locations for Capital One ATMs are Target, Walgreens and CVS.

Capital One credit card payments need to be made by 8:00 PM ET, Monday-Friday in order to post the next day. It is a good rule of thumb for any credit card to not wait until the due date to make your payment.

Here’s where you can pay your Capital One credit card bill in person:

1. Capital One Bank –You can pay your Capital One credit card bill in person at a branch. All Capital One bank branches are closed on Sundays and during federal holidays.
2. 7-Eleven– PayNearMe is a free app that enables you to pay your Capital One credit card bill in person with cash at any 7-Eleven. Download the app, create an account and add your credit card’s account number. Then you will see a barcode on your phone that any 7-Eleven cashier can scan to accept your payment. The fee is $1.99 per bill paid, and you will be notified when the payment is completed, as well as receive a receipt as proof of payment.
3. Money Services– Money Services is offered at Kroger-owned stores, including Fred Meyer, QFC, Fry’s, Ralphs, Dillon’s, City Market, Baker’s, and Smith’s, to name a few. You can pay your Capital One credit card bill with cash or a debit card when you bring your bill stub and account number. Payments for credit cards will be charged a fee (prices vary by location). Payments can be posted the same day or in up to three business days, depending on what payment options are available.
4. MoneyGram – Once you find a MoneyGram location near you, all you need is the account number and cash. MoneyGram has their own standalone stores. Walmart and CVS Pharmacy are the next most common locations. Be aware that in-person credit card payments using MoneyGram are cash only. There’s also a fee of $0-$9.99, depending on the location you choose.
5. Western Union – You will need the biller name and account number. Some participating Western Union locations accept debit cards in addition to cash. The most common locations for Western Union besides their own stores are Walgreens, U.S. Bank, and Kroger-owned stores.

Other options:

• ATM - Capital One has over 39,000 fee-free ATM locations. You can find them at select Target, Walgreens, and CVS Pharmacy locations. Check online or call customer service to find additional locations. You can use the ATM to deposit cash or checks to your Capital One checking account. Then, you can use that money to pay your Capital One credit card bill online, by phone, or mobile app.
• Mobile App –You can instantly deposit checks to your Capital One checking account using your mobile phone. You can also transfer money between banks with Capital One’s online banking but this takes a little longer. However, this can be a convenient option in the future once you link your bank accounts.

Where you decide to pay your Capital One credit card bill in person, if anywhere, depends on how strapped you are for time. You might have to pay a fee if you aren’t close to a Capital One bank, or one isn’t open. But that will certainly beat triggering a late payment fee. Make sure to bring the proper information, identification and form of payment needed.