The card I tried to make
I tried to make my own Capital One Image Card, where you can upload your own picture. I used my own art (shown here), which made for a cool looking card. It was rejected by Capital One, with the reasoning that it could be deemed “offensive” to others.

Sorry, we were unable to approve the image you submitted

Sorry the image you submitted for your Capital One® Image Card has been rejected. We will not approve any images that contain the following:

Libelous, defamatory, sexually explicit, or other content we deem offensive, including discrimination, “hate speech,” or socially unacceptable groups (gangs).

If you believe that you have been declined in error, please call us at 1-866-381-0451.

Please visit www.capitalone.com/imagecard to upload a new image.

I called up and went through the list of all the things you’re not allowed to do (gang imagery, celebrities, copyright infringement etc.) and showed that my image passed the criteria. The lady kept blaming the “back office” and evading me, but eventually I cornered the lady into saying that they weren’t going to print it because it was ugly. “We prefer the verbiage ‘offensive’ to ‘ugly’.”

She also revealed that they’re only looking for snapshots — which is nowhere on their site.  Interestingly, they say “pets, or a favorite photo,” and their ads show an evil overlord adding kittens to his.  But it seems marmots are off the list.

 Update:

I tried again, uploading the one without the mask to see if it was less ugly.  Here’s what I got back:

Sorry the image you submitted for your Capital One® Image CardSM has been rejected. We will not approve any images that contain the following:

Celebrities such as actors, musicians, athletes, or cartoons.

If you believe that you have been declined in error, please call us at 1-866-381-0451.



I talked to a nice, not disdainful lady named Dee who asked me who the man was. I told her it was a random ambrotype from the 1800′s. I could have said it was an ancestor and probably gotten it through but I wanted to see if the truth would work. She said that based on what I said she would try to put it through again, no guarantees.