To check your Capital One Journey Card balance, log in to your Capital One account online or call customer service at the number on the back of the card. It's also possible to check your Capital One Journey Card balance through the Capital One app or by texting "bal" to 227663.
How to Check Your Capital One Journey Card Balance
Online:Log in to your Capital One account to see your Capital One Journey Card's balance.
By Phone: Call the number on the back of the card and follow the prompts to connect with a customer service representative.
By App: Log in to the Capital One app. Your credit card balance will be shown on the home screen.
By Text Message: Text "bal" to 227663. If you haven't already, you'll need to log in to the Capital One website and enroll in text banking for this to work.
It's a good idea to keep an eye on your Capital One Journey Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
The usual Capital One Journey credit limit is $300 or more. Capital One Journey is a credit card geared for students with limited credit, and an applicant could start out with a limit higher than $300 if their credit profile exceeds Capital One’s minimum requirements. Cardholders have reportedly received Capital One Journey credit limits starting at up to $2,000.… read full answer
On that note, it is worth noting that you don’t have to be a student to get the Capital One Journey card. If you don’t have less than 3 years of credit history, you will need to have at least fair (640+) credit to qualify for this card.
In any case, keep in mind that you will not know your exact Capital One Journey credit limit before you apply for the card. Capital One determines credit limits based on a review of the completed application, each applicant’s credit history, and each applicant’s ability to make monthly payments. They will notify you of your limit amount if you’re approved for an account.
Whatever your Capital One Journey credit limit might be starting out, you may be eligible for a credit limit increase over time. Capital One will automatically consider you for a higher credit limit after you’ve made your first 6 payments on time. You can also request an increase after you’ve had the card for at least 6 months. However, there’s no guarantee you’ll be approved.
The Capital One grace period lasts at least 25 days. It is the time between the close of a billing cycle and when your bill is due. You won’t be charged interest during the grace period if you pay your balance in full by the due date every month. Grace periods aren’t permanent, though. You will lose your Capital One grace period if you don’t pay your bill in full one month. As a result, purchases will begin to accrue interest right away. Plus, you’ll have to pay in full two months in a row to get the grace period back.… read full answer
Those are the basics of the grace period, but there are a few more relevant details to be aware of.
Here’s what you should know about the Capital One grace period:
The grace period for Capital One cards is at least 25 days. It allows you to avoid interest on your monthly balance between the end of your billing period and your due date.
If you lose your grace period, you can get it back by paying your full balance on time for two consecutive months.
The grace period doesn’t apply to cash advances or balance transfers. Interest starts accruing as soon as you get a cash advance. It starts accruing right away on balance transfers too, unless you have a 0% APR introductory period.
The Capital One grace period is a useful perk that saves you money on interest. So, it’s yet another reason to always pay your bill in full and on time. And setting up automatic monthly payments from a bank account is a great way to make sure that happens.
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