Capital One Classic Reviews

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★★☆☆☆
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Capital One Classic
Capital One Classic

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Latest Reviews

★☆☆☆☆

“Hounddogs”

Written on: 07/06/2014 by VincentCarroll490 (1 review written)

Capital One are by far the worst credit card company that I have ever known. Stay well clear and avoid their bullying tactics and underhand methods… Read Full Review

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★★★★★

“Simple, quick, great customer service”

Written on: 29/05/2014

Capital one finally gave me a chance to start building my credit rating after I had limited history. The online account is 100 times better than aqua's and there is a smartphone app so you can keep track of your balance ect. Very helpful customer services on activating my card and was easy to set up a direct debit and payment date. I personally have no issues with capital one who in my opinion were so much more organised than Aqua and vanquish who I also applied through. So far I could not… Read Full Review

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★☆☆☆☆

“This company is so confusing and unorganised.”

Written on: 22/03/2014 by arthur2506 (6 reviews written)

I had a Capital One classic card for nearly 2 years with a £200 limit that never went up, then I got progress card. I paid the classic off in full each month so there was no loin in having two so I closed my account and kept the progress and it was considered 'platinum' and the APR goes down every 6 months. The limit stayed at £200 for a year even thou I was paying more than the minimum payment, if not in full. I sent them letters and also sent them a lot of personal documents to have them… Read Full Review

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★☆☆☆☆

“shower of cowboys”

Written on: 21/03/2014 by sayitasitis2012 (9 reviews written)

i had difficulty cancelling a continuous payment authority with a supplier that i furnished with my credit card details. capital one were not interested and eventually i wrote to their fraud manager. he agreed to clear my account and said he would keep an eye on it. within weeks i received a call from their indian call centre with a female pressing me for payment. i asked her what she knew about my account. she replied that my number had been generated by the computer and she wasnt familiar… Read Full Review

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★★★★★

“very good advice customer care well done ”

Written on: 15/02/2014 by omgman (3 reviews written)

This is a finance compony like no other care for there customers. If you get in trouble with any kind of repayments what ever compony remember this call them they wont bite they will help you get control capital one is an industry leader in there customer commitment I have enjoyed being a costumer of theres for some time Your never alone call them if you need help trust me im here to help… Read Full Review

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★★★★★

“I think this Is my card!”

Written on: 17/01/2014

Much better customer service than Aqua!!! Quick, kept me updated Aqua! Honestly, just don't. I had to send them my ID, they lost it....4 times. I had to call them to ask if they received it! and they possibly lost 4 copies of my passport. Eventually I gave in. The end… Read Full Review

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★☆☆☆☆

“Capital One credit card”

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. Avoid… Read Full Review

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★☆☆☆☆

“Just don't go there..........”

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 Full Review

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★☆☆☆☆

“CapitalOne Credit Card”

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 Full Review

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Redrobbo5's Response to ARC1's Review

Written on: 08/05/2013

same thing happened to me, they didnt ask for any proof,, not even a phone call , they just tried to fob me off with a give us £200 and we,ll give you a credit card with a £ 200 limit on it,,, just binned them and went to aquacard who approved me, conflicting opinions of aqua on this site, but i,v as yet have had no issues with them, been with aqua for 9 months and have had 2 credit limit increases

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★☆☆☆☆

“Bad customer service ”

Written on: 06/04/2013 by Guest221 (1 review written)

They want people with sucky credit so they can make em go more broke. Don't try them if hit have any kind of good credit… Read Full Review

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★★★★★

“Amazing support if you get into difficulties”

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 sympathetic… Read Full Review

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★★☆☆☆

“Rip Off”

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

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★☆☆☆☆

“Thieves and Liars”

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

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★☆☆☆☆

“Poor treatment of long term customer! Don't Apply!!!”

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

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★☆☆☆☆

“Ripped Off and P***ed Off !!”

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

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★☆☆☆☆

“Avoid like the plague. Incompetent ”

Written on: 17/09/2012

Refusing to change my address, harassing me with 5 calls a day despite complaints and requests to remove my number from the system, most staff can't speak English, simply terrible… Read Full Review

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Dave_1963's Comment

Written on: 03/10/2012

Incompetent only scratches the surface! I moved into a new apartment, and kept getting Capital One bills for the previous tenant. I sent back over 100 bills to Capital One marked "Moved". Still kept getting bills. I called Capital One to tell them the person had not lived there for 3 years. The next week, Capital One sent a credit card AND PIN number for the tenant who moved 3 years ago. I could have racked up $1000 on the card, but being honest, I cut the card up. When I called Capital One to tell them they are sending valid credit cards to the wrong address, I made the mistake of giving them my name. Now, I get 5-6 calls daily asking if I want a Capital One card at 29.9% APR! NO WAY!!! Capital One has the WORST security of any credit card company-Period! DO NOT USE CAPITAL ONE!

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Angela59's Comment

Written on: 16/10/2012

I have had a capital one credit card for over six years .I got it to help me out with xmas an such .I pay a DDevery month and it never goes down.I ONLY HAVE AN ODD £50 here an their but It seems I Owe more an more ,I now have £3000 to spend but after 6yrs I still owe them £200 an it never goes down.the way I see it ive paid the money fifty times over I pay them £35 00 a month ,they take a minimum payment an give me the rest back to spend this must be wrong but as Icant afford to pay it all off at once it seems Imdoomed to pay for ever. ANGI

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★☆☆☆☆

“Capital One won't reimburses my secured money”

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

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★☆☆☆☆

“terrible”

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

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★☆☆☆☆

“Very disapointed”

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

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★☆☆☆☆

“stay away from this company!!”

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

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