To freeze a Spark Cash Select 0% Intro APR 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 Spark Cash Select 0% Intro APR 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 Spark Cash Select 0% Intro APR Card Online
Log in to your Capital One online account or mobile app.
Pick the Spark Cash Select 0% Intro APR Card and select I Want To...
Click Lock Card.
Change the settings so that your card is in the locked position.
Locking your Spark Cash Select 0% Intro APR 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 Spark Cash Select 0% Intro APR Card.
If you lost your Capital One credit card, you should call them as soon as possible to report it at (800) 227-4825.
Capital One will immediately lock the lost card so no one else can use it and issue you a replacement card with a new card number. Your Capital One replacement card should arrive within 4-6 business days.… read full answer
Keep in mind that Capital One and most credit card issuers offer $0 fraud liability. That means that once the fraud is verified, you won't owe anything for unauthorized charges that are made on a lost or stolen card.
You can cancel a Capital One credit card either online or by calling the number you see on the back of your card. To cancel a Capital One card online, click “I Want To…” (near the top of the page when you sign in), then select “Close Account” from the account services menu. Over the phone, a Capital One representative will walk you through the process.… read full answer
Here’s how to cancel a Capital One credit card:
Online: Log in to your Capital One account. Click on “More Account Services” and then “Close Account.” Capital One will ask you to confirm that you want to cancel your account.
By phone: Call Capital One at the number you see on the back of your card. Enter your full card number to be connected to a representative. Tell them you want to cancel your Capital One credit card.
If you call to cancel your Capital One credit card, the representative will likely try to get you to stay. They may even try to lure you back in you with a retention offer, like bonus rewards or a lower rate. Capital One also says that once you cancel a credit card account, there are “very few exceptions” where they can reopen it.
Things to know before you cancel a Capital One credit card:
Before you cancel a Capital One credit card, there are a few things you should know. You’ll still be responsible for repaying any balance you owe. You will continue to get statements and owe monthly payments until the entire balance is paid off. You’ll also lose any rewards you haven’t redeemed when you close your account. Canceling your card will likely cause a dip in your credit score, too, though exactly how much depends on the age and credit limit of the account.
Plus, you’re not going to get a partial refund for a card’s annual fee. So, it’s best to enjoy the benefits until shortly before your next annual fee is due to be charged.
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