Capital One, why do you insist on OTP using a US phone number and not your own app?
Capital One is NOT a good bank to use for CC especially while traveling outside the US and especially if you don't have access to a US phone number.
I had to replace my phone due to damage.
I was able to link my Apple Card and my CS Brokerage CC/Debit card to Apple Wallet in 30 seconds.
And with both of these it's a simple process using app to fix any issues.
With Capital One, they had me log into my account OK, then verify the card with mobile app OK, then it read congratulations, your card has been added to Apple Wallet... but it's not and it won't unless I call them and get a OTP. "We cannot activate your card at this time"... WHY NOT? I'm logged into my account, I scanned the card, you congratulated me.
So, I will not use Capital One cards anymore. Next time I'm in the US I will close my CapitalOne account.
Also, if or when they switch to the Discover network, it's useless to me in Asia.
Capital One, stop your reliance on OTP.