To freeze a Capital One Quicksilver Card, log in to your online account or the Capital One mobile app and navigate to “Lock Card.” You can also call Capital One customer service at the number listed on their website and ask them to freeze your card, though it is much easier to lock and unlock a credit card on the app.
Freezing your Capital One Quicksilver Card will temporarily prevent most purchases from being made with your card number, which can be convenient if you lost your credit card or if you’re trying to control your spending. For lost cards, it’s also important to note that you’ll never be held responsible for unauthorized purchases thanks to a $0 fraud liability guarantee.
How to Freeze a Capital One Quicksilver Card Online
Log in to your Capital One online account or mobile app.
Pick the Capital One Quicksilver Card and select I Want To...
Click Lock Card.
Change the settings so that your card is in the locked position.
Locking your Capital One Quicksilver Card will stop new purchases and cash advances. But it will continue to allow returns, credits, dispute adjustments, payments, account fees, and recurring transactions. To start using your credit card at full capacity again, just navigate back to the Lock Card page and unlock the Capital One Quicksilver Card.
The Capital One Quicksilver purchase protection benefit covers eligible items against damage and theft for 90 days after the purchase date. In order to qualify, pay for your purchase entirely with your Capital One Quicksilver card.
Capital One Quicksilver purchase protection replaces, repairs or reimburses you up to the original purchase price, but not exceeding a pre-determined amount per claim.… read full answer
Here’s how the Capital One Quicksilver purchase protection benefit works:
What it is: Purchase protection or "purchase security" replaces, repairs or reimburses you for eligible items purchased entirely with your Capital One Quicksilver card against theft or damage within the first 90 days of the purchase date.
How much is covered: Coverage is up to the stolen/damaged item, or up to a pre-determined amount per purchase, whichever is less. Capital One Quicksilver is issued as a Mastercard, but networks change often and there are both VISA and Mastercard versions of the card. You can check the full amounts covered for both VISA and Mastercard.
What is covered: Eligible purchases include items damaged due to fire, explosion, vandalism, vehicles, accidental discharge of water, theft, or sudden accidental damage from electric current.
What is not covered: Excluded items include animals and living plants, boats, automobiles, aircraft, items purchased for resale, professional or commercial use, medical equipment, and perishable items. Theft from motorized vehicles I also not covered.
How to file a claim: If your Capital One Quicksilver is a Mastercard, call your Benefit Administrator at (888) 531-4227 within 60 days of the theft or damage. For VISAs, call (820) 553-4820 within the same time frame. If your purchase is stolen or damaged, make sure to also file a police report within 48 hours of the occurrence. You will be given a claim form which you will have to complete and return along with other requested documents, within 180 days of the incident for Mastercard and 90 days for VISA. Alternatively, you can also file a claim through Card Benefit Services. In the event of damaged items, you may be asked to send the damaged item along with the claim, at your expense.
To learn more about Capital One Quicksilver purchase protection, log in to your online account, select the "I want To" menu and click "Read about card Benefits." Simply match the benefits with your Capital One Quicksilver network – you can find it listed on your statement.
The Capital One Quicksilver late fee is up to $40, which applies when cardholders don’t make the minimum payment by the due date. The late fee for the Capital One Quicksilver can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.
If you accidentally make less than the required minimum payment or you miss your Capital One Quicksilver due date entirely, you can always ask customer service to waive the late fee by calling … read full answercustomer service. This is much more likely to work if you have a great payment history with Capital One, but even if not, there’s no harm in asking.
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
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