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Written on: 06/01/2013 by dezin19 (1 review written)
I have always paid off my full balance immediately after every purchase so that my minimum monthly payment was always $0. I had an excellent credit rating. I only had a $500 limit, as I only used that card for small online purchases. So, one week I make a payment and I notice the payment is taking longer than usual to go through (nearly two weeks whereas it was usually a couple days). Then I find that they have charged my card for my annual fee the week after my payment. They held my payment so… Read Full Review
Written on: 26/11/2012 by Wideload88 (1 review written)
Stole money from me. Despite large payments balance never decreased only increased. Harassing phone calls 4 to 5 times a day as late as 9pm 7 days of the week. Incompetent foreigners in call centre. Mid-sold PPI. Stay away from Capital Zone. They will only do the same to you… Read Full Review
Written on: 04/11/2012 by fialko (4 reviews written)
I've been a loyal customer of Capital One for around 15 yrs and for that loyalty Capital One increased my interest rate to almost 35%!!! I questioned why and was fobbed of with a generic answer so i asked why i had such a high rate when my house mate applied for a card with them, just 12 months after getting a CCJ and has an interest rate almost half that of mine - again a generic response along the lines of we can't discuss another account... I then went to the CEO of Capital One to ask… Read Full Review
Written on: 18/10/2012 by stace92 (1 review written)
Credit card works well so long as its paid off in full within the set period of around 56 days, after about 12 months using the card with very few problems, i started to pay only the minimum payment, this meant high interest rates, although i can't really moan about that, what else do you expect from a credit card, however i paid the amount of in full in september, and have cancelled it this month, as the company have been charging me cash interest every month until now despite the fact that… Read Full Review
Written on: 29/06/2012
Capital ONE is a fraud! Won't refund my secured money!! After I give them my u$1000, took a month to have my card. The bill came first, than my card, can you believe that? and after 2 years I decided to close it and it's been over 6 months and they haven't refunded my money, I called them like 10 times, they put me on hold, just to tell me "the check it's on his way" .Only bull...t !! Avoid that fraudulent CAPITAL ONE!… Read Full Review
Written on: 28/06/2012
they keep declining to process my tansactions. then they call me to check it really was me trying to use the card, and it always is. the card is refused every two weeks until i have to speak to someone so that it can allow me to start using the card again. well and truly fed up!… Read Full Review
Written on: 03/05/2012
Captial one mistakenly injured my credit report and failed to fix it. Capital One said they would fix the late payment on my account and did not. It has caused my credit score to drop and could make it so I do not get the rental apartment that I wanted. Please do not let something like this happen to you!… Read Full Review
Written on: 19/04/2012
Whatever you do, do not, I repeat, DO NOT get involved with Capital One in any way! Do not accept their credit cards, do not bank with them. They will rip you off. Their representatives will lie to you. Forget the cutesy commercials and having your picture on the card, that's just something to divert you from the reality--they are preying on lower income people, period, and you will be very sorry if you open any kind of account with them. I speak from experience, IT HAPPENED TO ME! Stay… Read Full Review
Written on: 14/03/2012
I have had this card for three months now, and do almost all transactions online and have never had to call customer service. The only downside is my very low limit of £200. I hope that as my credit score improves I will get a lower rate or else move elsewhere… Read Full Review
Written on: 03/03/2012
I have been with Capital One since soon after first came to this country. I have a £4,000 limit which has never changed in many many years. I have for many years always paid of the full balance and only keep the card because it gives a cashback bonus every year and has no annual fee. Customer service is terrible, they have made a number of mistakes over the years and the language barrier is a real problem in trying to get anything resolved, English is not the first language of most of their… Read Full Review
Written on: 07/01/2012 by londonboy21 (4 reviews written)
Got this card close to six month's ago, I had applied previously and been refused, but once accepted I was given a limit of £200. The limit is perfect for me for any emergencys, the card arrived very quick and was easy to set up. The online is also useful to view old statements, make payments and contact an advisor to a query. There standard APR is 34.9% but mine is 30%. I was told in alot of reviews that the limit would go up after around four months but this didn't happen for me, but… Read Full Review
Written on: 18/11/2011 by andyb303 (1 review written)
AAfter being a stupid student, running up big overdrafts i couldn't payback which got sent on to the collectors, my credit rating was incredibly poor. I could only get a LloydsTSB cash account, not a good place to be. I applied for this card, got a £200 spending limit, paid for my fuel on it every month, paid it off in full every payday. Since then i have been upgraded with Lloyds TSB to a silver account, and Capital One have offered to increase my limit - Biut Please, only do this if you… Read Full Review
Written on: 08/08/2011 by KendalLass (1 review written)
We have had our Capitalone card for over 7 years now, only because we get annual cashback. I email each year when we go on holiday and last year they told me "we don't need to know". This year we rang, they took details and now we are temporarily blocked!!!! Apparently if you use this card in a garage for petrol as we did, especially in USA, they block all subsequent transactions, a waiter at the restaurant we were eating at told us this when we presented the card. They knew we were in the… Read Full Review
Written on: 15/07/2011 by cottonhead (3 reviews written)
The customer service with company is terrible. I had problems meeting a payment and called to advise what had happened and when I would pay them. It was over a small ammount and only a few days late. They were not helpful and just kept repeating what payment I had to make and could I make it now - despite me telling them I didnt have the money ! The worst thing about this company is they will telephone you all day, Sundays included and late into the evening asking for money even if you have… Read Full Review
Written on: 31/03/2011
I had a Capital One Credit card sometime ago, but unfortunately over this time i had some financial difficulties. Capital One company did not offer any constructive advice or support, and just kept demanding money. Whereas other companies did their best to offer advice and good support.
Capital One advertise it will improve your credit rating,what nonsense i'm still waiting to see how this happens. Thankfully for me i settled and closed account, a huge relief… Read Full Review
Written on: 02/03/2011
I had a Capital One credit card for a few years, and unfortunately then experienced a few financial difficulties. of which Capital One did not give a stuff about, demanding letters and quite nasty phone calls. A complete lack of compassion of my circumstances.
I have now paid off my account in full and closed account, when i closed account i requested that a letter to confirm all monies paid. But many weeks later i'm still waiting for my letter. I dont suppose i will ever receive the letter… Read Full Review
Written on: 20/11/2010
As long as you pay back your balance on time each month it doesn't cost you a penny :)
I am suprised by the low limits given to previous reveiwers,as this is my first ever credit card and i have been given 1,000 :)
I would reccomend this card to anyone :)… Read Full Review
Written on: 01/10/2010
Be wary of a card that is offered to you to repair your credit rating. Its not some kind of social kindness, they want to make money off you like anyone else.
These cards are what you get if you are at the very bottom rung of the credit ladder. Its not a bad card, as long as you repay it properly, on time. And thats the bottom line really, only you can repair your credit rating, not the card… Read Full Review
Written on: 11/09/2010
Good customer service first class website high interest rate no prob if you pay off every month.
Recent problems after card identified as "one of a number" with potential security risk. New card issued, large clear balance.....£9 routine transaction declined!
Getting to the bottom of this has proved so difficult I've put in a complaint.
Been with them for some time, but now losing confidence in their counterproductive security measures.
Cheers The Piglit… Read Full Review
As rated by our community of reviewers
" What a waste of my valuable time! " Read More
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" So far so good ! " Read More
" Astronomical interest and charges & annoying! " Read More