capital one classic reviews | Watch This Item.

Average Ratings
Customer service3.3/10 Based on 37 ratings
Value for Money2.7/10
Reviewer Rating3.3/10
Overall Rating3.3/10 Based on 72 ratings

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32% Recommended20 out of 63 Reviews
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63 Review Centre Capital One Classic Reviews

  • Full review by
    saltrampen2 Rank: 2nd Lieutenant
    on 23rd May 2009


    User Rating : 4
    Respect : 0

    Good Points: Looks easy to use.

    Bad Points: Like other Banks, the call centres are polite but unable to resolve problems without bouncing you to other depts and queues. One day someone will come up with a call centre that can deal with all your problems.

    General comments: 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.
    saltrampen2's review and ratings     | 125 words

  • Review by
    cyrillic
    on 11th Feb 2009


    User Rating : 5
    Respect : 0

    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..
    cyrillic's full review     | 71 words

  • Review by
    Billybikerboy
    on 28th Dec 2008


    User Rating : 10
    Respect : 0

    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 wis ...
    Billybikerboy's full review     | 135 words

  • Review by
    Guest.
    on 6th Dec 2008


    User Rating : 0
    Respect : 0

    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.
    Guest's full review     | 78 words

  • Review by
    Guest.
    on 2nd Dec 2008


    User Rating : 1
    Respect : 0

    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.
    Guest's full review     | 46 words

  • Review by
    cooldude25 Rank: Corporal
    on 25th Sep 2008


    User Rating : 7
    Respect : 0

    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 ca ...
    cooldude25's full review     | 197 words

  • Review by
    Guest.
    on 5th Aug 2008


    User Rating : 1
    Respect : 0

    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.
    Guest's full review     | 51 words

  • Review by
    diddydoo Rank: Sergeant
    on 14th Apr 2008


    User Rating : 5
    Respect : 0

    In my opinion it is best to do everything online with Capital One Classic, you can pay online, download your own statements, so no paper statements are ever posted, if you request this. When I made a complaint about their disgusting phone service a few years back, they acknowledged they had a problem with their customer call centre from abroad and that there were advisers unable to grasp basic understanding of English. When they couldn't understand me (and I speak very clear Queens English, the ...
    diddydoo's full review     | 186 words

  • Review by
    Guest.
    on 3rd Apr 2008


    User Rating : 3
    Respect : 0

    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 absurd. I ...
    Guest's full review     | 112 words

  • Review by
    PlymouthDiscovery
    on 31st Mar 2008


    User Rating : 6
    Respect : 0

    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 query ...
    PlymouthDiscovery's full review     | 353 words

  • Review by
    Guest.
    on 24th Mar 2008


    User Rating : 9
    Respect : 0

    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 bit ...
    Guest's full review     | 203 words

  • Review by
    linux44
    on 21st Mar 2008


    User Rating : 1
    Respect : 0

    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
    linux44's full review     | 45 words

  • Review by
    ukmgdrool
    on 15th Mar 2008


    User Rating : 10
    Respect : +1

    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 doubl ...
    ukmgdrool's full review     | 112 words | 1 comment added.

  • Review by
    gpreshaw Rank: Sergeant
    on 9th Feb 2008


    User Rating : 1
    Respect : 0

    This card is only designed for people who have very poor credit ratings, and i cancelled my card with a month of having it due to the extortionate interest rates they charge and only ever used it once. And I am much happier using my other credit cards that do not try extorting money from me through interest rates!!! But my mum has this card and she has been using it for about 6 months and in that time she has had her credit limit doubled and is helping her increase her credit rating as she pays ...
    gpreshaw's full review     | 130 words

  • Review by
    Guest.
    on 18th Jan 2008


    User Rating : 8
    Respect : 0

    High interest rate and bad credit limit I had it for 8 months but the manage to keep me on £100 I no its poor but sky gives me £1000. Although the the customer service may be overseas but they will try to help good to start off first timers. You should give them a try.
    Guest's full review     | 54 words

  • Review by
    financechick Rank: Lance Corporal
    on 7th Jan 2008


    User Rating : 1
    Respect : 0

    So generally, all I can say it this level of incompetence is totally unnecessary.....service...you get sent to an overseas caller only to be charged at an extorinate rate and then told that they will get someone in the UK to call you back and that is after you have been hanging on for a minimum of 20mins! Not to mention that a customer service assistant on the phone started to shout down the phone when I told I her I had difficulty understanding her... It wasn't the volume but her inability to ...
    financechick's full review     | 205 words

  • Review by
    Gynis
    on 24th Jul 2007


    User Rating : 1
    Respect : 0

    I have another credit card now and after reading the posts about Capital One I am glad now I was refused.
    Gynis's full review     | 82 words | 1 comment added.

  • Review by
    Yordan Rank: Lance Corporal
    on 21st May 2007


    User Rating : 4
    Respect : 0

    Suitable for new starters or people of bad credit rating.
    Yordan's full review     | 23 words

  • Review by
    dexter2 Rank: Corporal
    on 10th May 2007


    User Rating : 0
    Respect : 0

    Only interested in extracting more money through unfair charges Capital One Classic Credit Card.
    dexter2's full review     | 23 words

  • Review by
    123dhills Rank: Sergeant
    on 4th May 2007


    User Rating : 0
    Respect : 0

    On the Moneysupermarket site I saw the following. Capital One credit card, 18 months 0% transfer if you spend 100 pounds in the first 3 months,2% handling charge, reverting back to 15.9%APR. I asked for this product and spoke to a customer relations advisor they said it wasn't available and tried to sell me a more expensive card. I got the same response from the Manager
    123dhills's full review     | 62 words


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