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Credit cards

Trouble using your card

Consumers have filed 17,275 complaints about this, 3,837 in the last 12 months (+34%), against 237 companies. The most complained-about is Capital One. Companies closed 15% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Can't use card to make purchases11,29865%
  • Credit card company won't increase or decrease your credit limit5,66933%
  • Account sold or transferred to another company3082%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026Barclays USCredit cardsTrouble using your cardCan't use card to make purchasesNYIn progressYes
Nov 12, 2026Bank of AmericaCredit cardsTrouble using your cardCan't use card to make purchasesWAIn progressYes
Nov 11, 2026Barclays USCredit cardsTrouble using your cardCredit card company won't increase or decrease your credit limitCTIn progressYes
Nov 9, 2026Bank of AmericaCredit cardsTrouble using your cardAccount sold or transferred to another companyMDIn progressYes
Nov 8, 2026Barclays USCredit cardsTrouble using your cardCredit card company won't increase or decrease your credit limitNYIn progressYes
Nov 7, 2026Barclays USCredit cardsTrouble using your cardCan't use card to make purchasesMAIn progressYes
Nov 6, 2026JPMorgan ChaseCredit cardsTrouble using your cardCredit card company won't increase or decrease your credit limitMOExplainedYes
Nov 6, 2026Barclays USCredit cardsTrouble using your cardCan't use card to make purchasesWAIn progressYes
Nov 5, 2026First National Bank of OmahaCredit cardsTrouble using your cardCredit card company won't increase or decrease your credit limitAZExplainedYes
Nov 4, 2026SynchronyCredit cardsTrouble using your cardCan't use card to make purchasesGAIn progressYes
Nov 4, 2026Capital OneCredit cardsTrouble using your cardCan't use card to make purchasesIAExplainedYes
Nov 4, 2026Barclays USCredit cardsTrouble using your cardCan't use card to make purchasesFLIn progressYes
Nov 4, 2026SynchronyCredit cardsTrouble using your cardCan't use card to make purchasesNHIn progressYes
Nov 4, 2026Barclays USCredit cardsTrouble using your cardCredit card company won't increase or decrease your credit limitFLIn progressYes
Nov 4, 2026Mercury Financial IntermediateCredit cardsTrouble using your cardCan't use card to make purchasesGAIn progressYes

Your rights with credit card companies

Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.

Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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