Capital One Classic Review

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Capital One Classic
1.7 stars
Average rating for this product is: 1.7 out of 5

From 9 ratings and 70 reviews

Thumb down 34% of users recommend this product

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cooldude25's Review of Capital One Classic

25th Sep 2008

Overall Rating

3.5 stars
  • Value for money
    0 stars
  • Loyalty scheme
    No
  • Used card for
    1 year and over
  • Customer service
    0.5 stars
Good Points

easy acceptance, great to build credit


Bad Points

limi increases when they offer only, poor limits, high interest, poor cust service


General Comments

Thumbs up and credit when it ' s due - having been abroad for years I was given a break on my Capital One credit card; they granted me credit which enabled me to start building a history. I earn well and was surprised to get a £200 limit BUT I spent, paid off in full, spent, paid off in full, etc. After 3 months they increased the limit to £500. Ok this is pathetic for someone on a £45k salary BUT after 6 months of paying and spending I got other cards. This is the key to capital one - they help you build you ' re rating.
A year on I now have a platinum card with bank (now at £8500 limit) and a platinum plus with MBNA (limit now at £10,000). Also have platinum bank account and 4 mobile phone contracts (for family members, not all me). I also have 2.
So all in all, don ' t let yourself build debt with cap one but get one, use it, pay it, and watch your credit rating sore!

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
Virgin Credit Card0.00%3 months16 months 2.98% or £3.00 fee3 months16.60%
BT Standard Credit Card0.00%3 months13 months 3.00% fee3 months16.90%
MBNA Platinum Plus Visa0.00%3 months13 months 2.90% fee3 months15.90%