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. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Your CreditWise score is a good measure of your overall credit health, but it is not likely to be the same score used by creditors. The score provided in the CreditWise tool is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models.

Zelle and the Zelle related marks and logos are property of Early Warning Services, LLC. To receive instant purchase notifications, you must turn them on in the Capital One mobile app and enable push notifications in your device settings. Some activity may continue after Card Lock, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.