Originally Posted by Mauricio23

For me, charges and payments always post within 48 hours.

Today I had a new run in with them, however. While traveling in Spain, a trip which I reported in advance, I tried to charge a 1,000 euro laptop. The transaction was declined. After 15 minutes on the phone via a lousy skype connection (no way to call collect in the shop), they told me that they had removed the restriction. I tried again, and the card was declined again.

Later in the day, I called Capital One from the hotel, and they told me the transaction was repeatedly declined because the store defined itself as a book shop and not as an electronics store. This was FNAC, the largest electronics chain in Spain and France, which also happens to sell books (and, for the record, I have been known to buy 1,000 euros worth of books). Basically, their point is that you cannot shop for electronics of a certain value at FNAC with a Capital One card.

The charge went through without a hitch on Amex (to which I had not reported my travel).