To check your Capital One Venture 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 Venture Card balance through the Capital One app or by texting bal to 227663.
How to Check Your Capital One Venture Card Balance
Online:Log in to your Capital One account to see your Capital One Venture 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 Venture 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 Capital One Venture credit limit will be determined based on your credit standing, once your application has been approved. Factors such as your annual income, debts and liabilities, repayment history and length of your credit history are among the ones generally considered for determining credit limits.
If you’re unhappy with your credit limit and would like to … read full answerrequest an increase, Capital One allows you to submit your request online. Bear in mind that new accounts are generally ineligible for credit line increases. So, it’s advisable to wait a few months before requesting one. Requesting a credit limit increase for Capital One Venture will probably not affect your score as Capital One typically uses soft pulls for these credit inquiries.
If you overpay your credit card balance, the payment will result in a negative account balance, which means the credit card company will owe you money. The next time you make a purchase with the credit card, the amount you overpaid will count toward it.
If you accidentally overpaid your credit card and would like a refund, you can submit a written request to your credit card company. Federal law requires a refund to be sent within 7 business days of a written request, but some card issuers will allow you to request a refund over the phone instead. If you haven’t requested a refund or received credit for the amount by which you overpaid your credit card within 6 months, the issuer is legally obliged to make a good-faith effort to get a check in your hands.… read full answer
Generally speaking, nothing bad can happen due to overpaying, as long as it isn’t a huge overpayment. If you overpay by a lot, the payment could trigger fraud precautions with your card issuer. Overpayment of credit cards can be associated with refund fraud and money laundering, and could cause your account to get frozen or even closed.
That said, there are a few things that won’t happen when you overpay your credit card:
Overpaying will not increase your credit score more than paying in full. Negative balances show up on a credit report as $0 balances. Having a balance of zero is good for your credit score, but you won’t get an extra boost by overpaying.
Overpaying will not raise your credit limit. Overpaying will temporarily afford you more spending power, allowing you to charge a larger purchase than you would be able to otherwise. But, technically speaking, your official credit limit does not actually change.
You won’t earn interest on a credit card overpayment. You won’t profit from overpaying your credit card like you would if you deposited the same amount into an interest-earning savings account. You can’t earn interest on the money you overpay to a credit card account.
Overall, if you overpay your credit card by accident, don’t worry about it too much. The money is legally yours. And if you accidentally trigger a fraud investigation by overpaying with an extra digit, for example, just give the card issuer a call and explain the mistake.
Apart from getting some extra wiggle room with your credit limit for a big future purchase, there aren’t many reasons to overpay on purpose. It’ll only tie up your cash and won’t earn you any interest.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.