Capital One Bank at 11 East Park Avenue, Long Beach, New York.

I have a Capital One credit card, and I went to the branch to make a $600 cash payment. I use the card often for the cash back rewards, but my credit line is only $1000 so I'm making payments often also. I usually pay using their app, if I can wait till the next day for the funds to be available. The company has a rule that you can only pay up to 110% of your balance online, or within the app. I figured this out since sometimes I have a lot of "pending" charges made recently, which are not yet reflected in the balance. So I may have a low balance, but also not much available credit since pending charges reduce available credit instantly. Anyway, the teller said the 110% rule doesn't apply in the branch, so I was happy, since I wanted to use the card to purchase a laptop for my daughter's graduation. And get the cash back. They told me it can be made available same day by calling customer service, which I had done before. However, when I called, they told me the payment exceeded the 110% of the balance and could not be made available until the next day, partially possibly depending on posting time of my recent pending charges. I was very upset and went back to the branch. The branch manager wasn't there, so I spoke to the gentlemen in charge, and he was very nice, but couldn't help me get the money avaialble on the card, or cancel the payment and give me my cash back. They said it would have had to he cancelled within 10 mins. So obviously now I was even more upset since I was on my own to figure out how to get my daughter's present. Needless to say, I'm looking for a new credit card company.