The information below makes it easier to get your questions answered. For additional details about your card, please refer to your Cardholder Agreement.

  • I want to manage my card online. Can I do that?

    Absolutely, simply click on the "log in" button, or on the Access Your Account link above on the Returning Cardholders tab—and log on with your username and password to set up and manage your account online—anytime, anywhere.

  • How can I automatically pay my credit card bill each month?

    You can enroll in Auto Pay. Auto Pay will automatically make your scheduled monthly payment on the day you select and for the amount that you choose. When you log in to your account online, you will find the enroll option under the Payment tab.

  • Can I pay my other bills using my credit card?

    Yes, you would simply need to select this credit card as your payment method of choice when setting up automatic bill pay for your other bills.
    As a matter of fact, using your card to pay your other bills can help build your payment history – helping you improve your credit as you make sure you’re paying your bills on time.

  • How can I increase my credit limit?

    You can request a credit limit increase at any time by contacting our Customer Care team. If approved, you’ll receive instructions on how to send the additional security deposit needed to fund the increase to your credit limit. You may also be assessed a fee to get the increased credit limit. All credit line increases are subject to underwriting approval.

  • Can I withdraw cash using my credit card?

    Yes. Cash advance purchases are available up to your Cash Advance credit limit. Please refer to your Cardholder Agreement for additional information. Please note, you may be subject to ATM fees charged by your bank when using your credit card at your ATM.

  • What happens if I charge purchases up to my credit limit?

    If you charge up to your credit limit, then you must pay off all or part of the balance before you can charge any more purchases. Regular monthly payments that pay down the balance you owe frees up credit, no matter how much you have charged. If you charge up to your credit limit and fail to make timely monthly payments, then your card will be considered overdue, which will also be reported to the credit bureaus. If you are unable to pay off your balance, please contact Customer Service at the phone number on the back of your card.

  • Can I get another card for a family member to use?

    You are allowed to add additional cards on the account. Refer to the Cardholder Agreement for fee and other information regarding Authorized Users.

  • Can I use my credit card outside the United States?

    The credit card can be used everywhere you see the Visa logo, worldwide. There may be additional currency exchange fees and other fees that will apply. Please refer to your Cardholder Agreement.

  • What happens if my card is lost or stolen?

    If your credit card has been stolen or you are unable to locate it, contact our Customer Service department immediately to have a block placed on your card. Simply dial the number located on your billing statement. Or, you can click Contact Us to locate the number to call.

  • How do I close my credit card?

    You can close your account at any time by contacting the number on the back of your card. Once you have paid the outstanding balance on the card in full, your Pledged Deposit Account will be closed and your security deposit refunded. Deposit funds are generally refunded within 4-6 weeks.

  • When do I get my security deposit back?

    After you close your card account and pay your outstanding account balance in full, your Pledged Deposit Account will be closed and your security deposit will be refunded to you. Deposit funds are generally refunded within 4-6 weeks.

  • Will my security deposit earn interest?

    No. Security deposit funds are placed in a Pledged Deposit Account that does not earn interest.

  • Will the secured credit card ever change to unsecured?

    Your secured credit card continues to be a valuable option for people looking to build or rebuild their credit history. At this time, Capital Bank does not offer a traditional, unsecured credit card for consumers.

  • What are the top 3 things I should do to build a good credit history?

    The top three things that you should consider are the following:
    • • Paying on time is essential—35% of your credit score is based on your payment history. So create a budget and be sure to make all your monthly payments on time.

    • • Pay the card off regularly. Your available credit compared to what you owe, also known as credit to debt ratio, accounts for 30% of your credit score. If you’re maxing out your balance, your credit score will suffer!

    • • Credit history is a factor, making up about 15% of your total score. Use your card to build your credit history, and consider paying a monthly expense such as a cell phone or utility bill on the card to keep your credit active. Signing up for auto bill-pay makes sure you never miss a payment.

    For more information on how to manage credit so that it works for you, not against you, see Credit Education.

  • How can I see my own credit report?

    Federal law states that you can get a free report from each of the three nationwide consumer credit reporting companies—Experian, TransUnion, and Equifax—once every 12 months. Don't be fooled by offers from companies to pull your credit report or websites that ask for payment to see your credit report.