Your Card should arrive in the mail 5-7 business days after you open your 360 Checking on capitalone360.com.
Whether you're activating a new Card or reactivating one you temporarily deactivated, make sure you have your Card Number handy then follow these simple steps:
Then, start using your Card for purchases anywhere MasterCard® is accepted. Just sign the receipt (or enter your Card PIN) and go!
Use your Card anywhere MasterCard® is accepted, including any ATM that has the Allpoint® or MasterCard, symbols on it.
It is a debit card, because the money for purchases you make is deducted from your 360 Checking right away. With a credit card, you borrow money to make purchases and pay the amount plus interest at a later time. However, when you’re asked “Credit or Debit?” you can do either. The merchant is simply asking you if you wish to sign (Credit) or enter a PIN (Debit) to authorize the purchase. It’s up to you.
Sure, you can use your Card anywhere you see the MasterCard® logo. But if you are planning on traveling outside of the U.S., for security purposes, please notify us of your travel plans. That way we’ll know it’s you and not someone else making overseas purchases. If you have any questions or problems when you’re traveling you can give us a call at our collect international number 302-658-9593.
To notify us of your travel plans, just follow these simple steps:
In addition to worldwide cash access, we provide free access to your cash at over 38,000 ATMs in all 50 states through our partnership with the Allpoint® Network (ATM Locator Opens a new window).
If you use your Card for a foreign transaction (any transaction made in a foreign currency or that MasterCard classifies as a cross-border transaction), we won't charge you anything.
Look on the back of your Card, in the signature line. This is the last three digits you see. As with all aspects of your Card, keep this secure.
Call 1-888-464-0727 as soon as you realize your card is not working properly so that we can send out another card. If you’re calling from overseas and need to have a card expedited, call 1-302-255-3473.
Yes. The limit depends on how you use the Card.
When you use your card for a purchase like filling up your gas tank, many time the merchant puts through an electronic transaction to make sure your account is active and in good standing. This transaction can be for any amount, although most times it’s for a $1.00. Once the merchant completes your transaction (typically 1-5 days) the correct amount will appear in your ‘History' section, and the $1.00 (or whatever the amount was for) transaction will disappear from the 'Pending' section.
Another example might be a rental car company. Say you rent a car using your 360 Checking Card. At the time of the rental, the merchant obtains an authorization for $200 over the estimated charge of the rental. Once you return the rental car, the company will then send a charge for the final amount due and the original authorization for $200 would then be released and disappear from your 'Pending and on Hold' section.
There are times when a merchant may submit a charge for an amount that is greater than the actual amount of the transaction. When the transaction posts it will post for the correct amount.
Sometimes merchants send us a transaction amount that doesn’t match the bill on hold. This happens most commonly at restaurants, where the tip is added to the posted transaction after the merchant has run the card for the amount of the bill. Because the actual amount charged to your 360 Checking Card doesn’t match the amount the merchant initially had us authorize, our system can’t match the charge with the amount on hold, so the hold is not automatically removed. The hold will drop off automatically three days after it was placed.
Don’t worry, a replacement Card should arrive by the end of the first week of the month your Card is expiring. Your Card number & PIN will be the same, but the expiration date will change. If you use your Card to pay bills, make sure to give billers the new date to avoid any payment lags. Any bills you have set up through 360 Checking Bill Pay are good to go.
Hang tight, if you haven’t received a replacement Card yet one should arrive by the end of the first week of the month your Card expired. If the week passes and your new Card hasn’t arrived give us a call at 1-800-464-3473.
If you're planning on traveling outside of the U.S. (or even just going far from home), please notify us of your travel plans. That way we'll know it's you and not someone else making purchases with your Card.
To tell us about your travel plans, just follow these steps: