Written on: 26/10/2013
They really are an awful company. Got all my details incorrect, lost my application half way though, I couldn't update my address details whilst still in the application phase so I am having to run the risk that my card and PIN en up going to a neighbour's flat instead. I applied for the card for the 0% forex fees, but we are approaching 3 months since my first application and I still haven't got the card. I've already been on my 3 week trip to the US and come back. Completely useless.... (read more)
Written on: 07/05/2013 by Routeofallevils (1 review written)
What a shame that review centre doesn't have a zero star rating as this is what I'd give Capital One. My husband had a credit card with Capital One, we called because they just changed him to online banking without his consent. He didn't use the card and no longer had it, so we requested a card so that we could register online....nothing arrived, we rang and were told for data protection purposes they couldn't give us access, so we requested a paper statement.......nothing arrived, we called... (read more)
Written on: 18/04/2013 by ARC1 (0 reviews written)
Is Capital One – a bunch of liars? Judge for yourself! Self-employed with irregular incomes and poor credit rating, I applied for a credit card with CapitalOne after being referred to their web site by one of those search engines promising you affordable loans... Once my application completed an advisor from Capital One called me in order to send her proofs of address and identity, in order to be able to give me the credit card in question. Now, to be sure about the outcome, I repeatedly... (read more)
Written on: 07/01/2013 by aphancock (1 review written)
After being Capital One customers for several years now, we've recently fallen into financial difficulties and missed a couple of payments for the first time. We have several creditors who've been hounding us with repeat phone-calls - but I have to say that Capital One have been the best of the bunch. Their support and customer service has been outstanding. They provided great advice, and have been overwhelmingly considerate and understanding in their approach. They were extremely... (read more)
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... (read more)
Written on: 26/11/2012 by Wideload88
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 more)
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 more)
Written on: 18/10/2012 by stace92
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 more)
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 more)
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 more)
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 more)
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! ... (read more)
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 more)
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 more)
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 more)
Written on: 18/11/2011 by andyb303
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 more)
Written on: 08/08/2011 by KendalLass
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 more)
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 more)
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 more)
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 more)
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 more)
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 more)
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 more)
Written on: 02/09/2010 by phaedrus123 (1 review written)
While I understand that the interest rate increases with the perceived risk of the customer, this American company is simply a leach on poor people. Customer service is unfriendly and unhelpful, their online account management is confusing and slow and the product rates are usurious. (read more)
Written on: 21/08/2010
I started using the card two months back. I came to this country last year and I had two cards back home. I tried to get a card as soon as I came with capital one and Vanquis but I got rejected and I found out that we have to register to vote and I did that a couple of months ago and I saw my credit report and the credit score 397 and the electoral register was confirmed with my address and I applied for vanquis an capital one on the same day. yet I misspelled my name. yet they both offered... (read more)
Written on: 26/06/2010
I am in £1200 worth of debt and had ccjs and everything, in the other hand my firend had £6000 worth of debt but paid it off, my debet is still about £10000,
We both applyed for the same high intrest low credit limit one,
he got decined and i didnt here anything then i got a pin though the door and got told my card is on its way?
it seems like people who pay off the limit all the time never get a incresed but i bet the people who dont pay the balance of and pay min payments get increses... (read more)
Written on: 12/04/2010
We look forward in a respond, well this my first time, information same sure, but the only way to recommend someone it you have try the product, so i look forward to see what y'all have to offer.
kareem (read more)
Written on: 07/04/2010
''Rubbish'' would be the right word for the system they use. Even if you pay our bill on due date, their'system'' updates it after 48 hours amusing you payed 2 days later than your due date. there could be one out of two reasons of this;
1. they are still living in 18th century
2. they have deliberately designed this'system'' to rob their customers. (read more)
Written on: 01/03/2010
Having had a problem with credit and finance in general in the past I took out a Capital One Classic card last year to try and help get my 'rating' back to a more standard level.
This card is ideal if you have a poor credit history (although some people may still be declined) and it gave me the incentive to pay items on it and pay them off in full at the end of the month, thus avoiding interest (my APR was 34.9% typical variable.)
One downside was the otherwise excellent fraud monitoring.... (read more)
Written on: 25/10/2009
I started with a credit limit of £500. I had a Lloyds Credit card already. I always paid the balance in full. On my 4th statement, my limit jumped to £1000, which is really good and helpful. Not sure about customer service because I never really had to call them about anything. Overall, good card. APR is ofcourse high because this is a card for starters, but I'm not too bothered because I normally pay back the owed balance within the interest free period. Cheers. (read more)
Written on: 14/10/2009 by Robin Lozeau (1 review written)
The people @ the end of the phone are all very informed and can't do enough for you.They have always been able to resolve a situation for me or answer a query where needed.
They got in contact with me each time I purchased something that they considered above average for my account,(3 plane tickets to the U.S.,etc),and it made me feel secure that they are looking after my interests regularly.
Maybe they could put some sort of loyalty scheme in place!It would be an idea! (read more)
Written on: 30/09/2009
Well I've been with Capital One for over 12 Months, had poor/no history for a long time, but started with £500, and it's still the same. Paid it off a few times, never missed a minimum payment, mostly paid more than minimum. My ex-girlfriend started with £100 and got increased twice, now upto £1,200, yet I earn much more than her, and she has never paid hers off, go figure!!!
It has helped me get two other credit cards though, with my bank Natwest and with Santander, with much better... (read more)
Written on: 19/09/2009
I have had my Classic card for 4 months now with a credit limit of £100. I was told my increase would be reviewed on the 4 statment which they did only to find I was unsuccessful! I have never been over the limit, I pay off my card in full before the due date every month yet apparently I have done something wrong?? what do you have to do!! to get an increase my credfit rating is good this truly is a strange company. (read more)
Written on: 07/08/2009
Capital One allow the card to go over limit and then charge £12 instantly for it. I spent £1 over the limit and they charged me £12 no warning nothing. (read more)
Written on: 19/07/2009
Capital One Classic is good for building your credit rating. Poor rates of interest, so always make sure to pay in full each month. (read more)
Written on: 09/07/2009 by boz67 (1 review written)
Terrible service - typical company relying on computer systems to do all their work for them and no human interaction. I have a poor credit history, so naturally my available balance started low. I asked Capital One Classic for this to be raised, and was told this would happen after my fourth statement should I manage my account well. I managed my account well, yet after my fourth statement I was given a measly £100 increase. They may as well not have bothered. I can comfortably afford... (read more)
Written on: 23/05/2009 by saltrampen2 (22 reviews written)
Applied for a Capital One card after my existing credit card with Natwest could not use the online facilities due to error on their side, which could only be resolved by going into a bank during the hours when I am normally working. Applied for a capital one card, but had to phone the dreaded call centre to activate it. They said that the details I had given did n't match their records, so have to wait 3 days until another department is open. (read more)
Written on: 11/02/2009 by cyrillic (2 reviews written)
Basically, the Capital One Classic card is fine and I found it works pretty well. The online setup is excellent and easier than most online banking. The only problem is the credit limit stay the same for months and months.. (read more)
Written on: 28/12/2008 by Billybikerboy (1 review written)
I received a letter in the mail a few days ago, stating that my account was being closed because of non use. I only use one card for my large issues, Through a misunderstanding, when I made a purchase a year ago, I have been charged a large ammount of money all of a sudden, and I am canceling that card, and wish to transfer the total amount onto a new card with a lower APR. I have excellent credit, never late on payments, own my own home, and have only one debt, that credit card. I no longer... (read more)
Written on: 06/12/2008
Though the Capital One credit card is easier to get, only give you very low credit limit (only £200 mine).
Also, have charged me £3 for each transaction from a gambling site, even though some are for just £5. Apparently it is in the "terms and conditions" that these are treated like cash.
It even applies if you buy a lottery ticket or for certain other things, I'm still not even sure which. (read more)
Written on: 02/12/2008
Pretty disappointing customer support. When I finally spoke to a person, not of this country, he did not really understand what I was requesting. I asked to be passed to manager and gave up after waiting for quite a few minutes. (read more)
Written on: 25/09/2008 by cooldude25 (5 reviews written)
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 -... (read more)
Written on: 05/08/2008
Online operation great payment method by debit card very fast however after more than a year of operarion with one small over limit of £3 no credit limit increase has been given because of this small error. (read more)
Written on: 03/04/2008
I don't have to call Capital One Classic customer service very often but when I do, I dread it. They make it very difficult to reach a live customer service rep. When you do, it is clear that some of the staff's English is not the rep's first language. It is difficult to understand them and they just keep repeating the same explanation over and over even when it is not relevant to your question. You have to explain your problem 3 different ways so that they understand it. Seems... (read more)
Written on: 31/03/2008 by PlymouthDiscovery (1 review written)
Basically Capital One Classic is absolutely fantastic for first time people to credit cards, there is a lot of helpful friendly customer service reps at the offshore call centre, although if you have a pants credit report like me or adverse credit, having one of these bad boys really does help you. The online service they provide is the best I have ever seen for a banking, credit service, it is so detailed and clear to understand and best thing is the secure message centre, you write your... (read more)
Written on: 24/03/2008
Well according to the reviews i should have never applied for a capital one classic VISA. But let's get a few things straight. Taking advantage of the online account management, there's hardly any chance that you'll have any problems. You can see how much money you've got available, when the next minimum payment is due, secure messaging with the customer service, and so on. The interest rate might be high, but no one forced you to sign it, so what's the matter. Also if you don't go a little... (read more)
Written on: 21/03/2008 by linux44 (1 review written)
As i contact capital one often, some times their customer service is rubbish by that I mean you cant understand what they saying due to the bad acent and also some very rude people there (read more)
Written on: 15/03/2008 by ukmgdrool
I would only recommend capital one if your credit is non existent or low if its good try the high street bank first.
Capital one are offering a good service but only to people in a position where there unable to obtain mainstream credit. Our first card only had a £100 limit we had no credit history we never needed credit we got a capital one card to establish our credit file it serves that purpose well but you have to hover over it ensuring you monitor every payment every charge and double... (read more)
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