Capital One secured cardholder resources

August 12, 2025|5 min read

If you’re building credit, a secured credit card—a card that requires a refundable security deposit—could help you on your financial journey. When used responsibly, it can be a great tool to build credit and potentially transition to an unsecured card.

And because some journeys are better with a guide, Capital One is here with free resources to help you reach your destination.

What you’ll learn:

Capital One has resources for secured cardholders.
Paying your statement on time each month is an example of using your card responsibly.
Setting up automatic payments with AutoPay can help you avoid late or missed payments.
CreditWise from Capital One can help you track your progress and monitor your credit.

Tools and resources for secured card customers

With responsible use, secured credit cards can help you build credit. Here are a few ways Capital One can help you kick-start your credit journey:

1. Set custom alerts and manage your account your way

When you know what’s going on with your credit card account, it’s easier to manage it and avoid surprises. Kind of like getting turn-by-turn directions and updates from your GPS. Explore a few ways you can manage it all—whether you’re signed in online, using the Capital One mobile app or adding a browser extension:

Use the app to manage your accounts anytime, anywhere.
Set up email and text alerts to track purchases, balances, refunds, suspicious activity and more.
Explore other security features and safety tips to provide peace of mind.
Create virtual cards to keep your accounts secure when you shop online.

2. Choose your payment date

If you’re like most people, credit card payments aren’t your only monthly expense. And trying to pay all your bills at once might feel like starting a long road trip with an empty gas tank.

It might give you more control of your finances if you spread out when bills are due each month. That’s why Capital One lets you choose your payment due date.

3. Make automatic payments

With AutoPay, you can put payments on cruise control. If you’re a Capital One cardholder, AutoPay is simple to set up. And you can pick the amount from your bank account that works best for you, knowing your payments will always be on time. If your finances change or you change your mind, you can hit the brakes by canceling AutoPay.

4. Monitor your credit

Monitoring your credit could help you understand how credit scoring works. CreditWise from Capital One is a free tool that lets you access your credit report and credit score. Think of it like a compass pointing you in the right direction to:

Keep up with credit reporting. CreditWise will let you know when something meaningful changes on your credit reports, keeping you more connected to credit changes.
Monitor your personal information. CreditWise scans the dark web for your Social Security number and email address, alerting you to potential identity theft and fraudulent activity.
Test financial decisions. The CreditWise Simulator uses information from your actual credit report to show you how financial decisions could affect your credit score. You can use the interactive tool to test what might happen if you do things like make on-time payments, pay off your balance or borrow money to buy a home or a car.

5. Explore credit education articles

When you’re driving and random lights in the dashboard pop on, your first move might be to check the owner’s manual. It can help you figure out what’s going on and learn a little more about how your car works.

In the same way, Learn & Grow articles can help you understand credit and finances. There are hundreds of articles to explore—you’re reading one of them right now. And you don’t even have to search through other junk in the glove box to find them.

Learn & Grow articles draw on industry professionals, government resources and Capital One experts to keep you informed. Articles cover all kinds of topics, including:

6. Define financial goals

Joyrides are called that for a reason. But when you’re on a journey, it’s nice to know where you’re headed. The Money & Life Program is all about connecting your life goals with your financial behaviors. The program offers free self-guided exercises, one-on-one sessions with professional mentors and on-demand video workshops. You can start with whatever feels right for you.

7. Learn more with the Khan Academy

Financial literacy is key in helping people feel confident, capable and in control when it comes to their money. That’s why Capital One has partnered with Khan Academy.

The partnership brings a free financial literacy course to anyone who wants to demystify personal finance and get one step closer to financial well-being. The course covers everything from budgeting and saving to credit, debt, retirement planning and more—all in self-paced, easy-to-understand units that you can explore online from the comfort of your own home.

Key takeaways: Capital One secured credit card customer service

No matter where your credit journey takes you, Capital One will be along for the ride, with free digital tools, ongoing financial education and lots more. If you need more help, Capital One customer service is here too.

And if you don’t already have a secured card from Capital One, you can compare options and see whether you’re pre-approved for card offers before you apply.

Footnotes

Learn more about FDIC insurance coverage.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

By clicking on some of the links provided, you may be taken to a third-party website that is not hosted by Capital One. In those cases, the owner of the website is responsible for the website content. Their privacy practices and level of security may be different from Capital One’s, so please review their policies.

Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.

Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening, and you may not have access to your full credit line until your physical card is activated. Web access is needed to manage your virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores. Virtual cards are not available for debit cards and some credit cards.

Eligible customers can also use virtual cards through Google Pay or via the Eno browser extension. Virtual cards through Google Pay are currently available in Chrome for desktop computers (Mac, Windows and Linux), Chrome for Android, and via merchant apps running in the Android OS. Additional availability may be added in the future, including Chrome for iOS. The Eno extension is available only for certain web browsers and enrollment is required.

Eno is learning all the time and may not catch everything. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.

Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and Eno email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.

The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards.

The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.

The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change.

The Money & Life Program and Money & Life Mentors are not financial advisors, or accountants, or tax specialists. Materials have been prepared by Capital One for instructional and educational purposes only. The information provided is not intended to encourage any lifestyle or changes without careful consideration and consultation with a qualified professional. Not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Capital One product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional.