Summary
Capital One is quick to block unusual spikes in utilization. They prefer steady, modest transactions instead of maxing out in a single day. High-value approvals are more reliable when spaced out or pre-notified with customer service.
Best Practices
Start with moderate charges.
Avoid one-session max utilization.
Notify CapOne before large purchases.
Maintain a predictable daily spend pattern.
Split multiple purchases across days if possible.
Terms & Contact
Support: 1-800-955-7070 (Personal) | 1-800-867-0904 (Business)