capital one platinum reviews | Watch This Item.

Average Ratings
Customer service2.3/10 Based on 25 ratings
Value for Money2.6/10
Reviewer Rating2.4/10
Overall Rating2.6/10 Based on 47 ratings
21% Recommended9 out of 43 Reviews
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43 Review Centre Capital One Platinum Reviews

  • Full review by
    Guest.
    on 18th Feb 2009


    User Rating : 1
    Respect : 0

    Good Points: Capital One had a good rate to start which was a fixed rate.

    General comments: After about three years they decided because of economic conditions they had to raise my rates. They raised them from 8.99 % to 13.99 %. A full 5 % raise. So much for a fixed rate card. Now my daughter has a Capital One card and the variable rate went from about 10 % to 17.9 %. I don't know what's in your wallet, but Capital One will no longer ever be in mine again!!!
    Guest's review and ratings     | 78 words

  • Review by
    Guest.
    on 20th Jan 2009


    User Rating : 0
    Respect : 0

    This company is the worst I have come across. There customer service is so bad, all there so called customer service managers just fob you off on the phone if you have a problem and when you call up later about it they have no idea whats going on, I have had so many problems with this company they have lost my bank details twice and said they never got then even though they have been sent recorded by the post office. I regret having a credit card with them and will be stopping anything to do wit ...
    Guest's full review     | 106 words

  • Review by
    SSRS13 Rank: Sergeant
    on 30th Oct 2008


    User Rating : 1
    Respect : 0

    I had my Capital One platinum visa for 6 months before I started having problems, several times my card was declined for unknown reasons and then when I would call them and there would be a hold on my account, they would tell me that I placed the hold on it, which i never did. I never missed a payment, and I was no where close to the limit. I would remove the supposed hold with them over the phone and then several weeks later I would have to go through the entire process again. I eventually just ...
    SSRS13's full review     | 114 words

  • Review by
    Guest.
    on 30th Apr 2008


    User Rating : 1
    Respect : 0

    In October 2007 I received a mailer from Capital One that offered 0% APR for life on balance transfers. I read over all the fine print to make sure that there were no hidden requirements, then applied online and was accepted. I transferred about $18,000 of high interest debt from other cards. I began making monthly payments and was succeeding in lowering my debt. Then, in April 2008 I received a letter from Capital One that said "oops, we messed up, your rate was supposed to be 5.9% APR, sor ...
    Guest's full review     | 188 words

  • Review by
    Egore Rank: Lance Corporal
    on 20th Apr 2008


    User Rating : 8
    Respect : 0

    Once you have gone through Bangalore and have them returned you to a UK Call centre the service was excellent. I was credited immediately for a faulty purchase from the rogues at Dixons.
    Egore's full review     | 48 words

  • Review by
    Guest.
    on 9th Mar 2008


    User Rating : 0
    Respect : 0

    Just tried to go through a online application. This is after they mail me all the time trying to get me to apply. So after submitting the application it said @sorry your application is till been processed' 'this will take no longer than 60 seconds to complete please refresh the page for your decision' after 10mins and endless refreshes i rang them. Ow what a joke that was. There website claimed there applications team was open 9-5:30 weekends today is a Sunday. When called it said they were cl ...
    Guest's full review     | 200 words

  • Review by
    Guest.
    on 19th Jan 2008


    User Rating : 1
    Respect : 0

    They provide a free credit check through Equifax then charge you for it! Now try getting the charge removed - if you are lucky. Don't bother talking to their call centre - they are not very helpful. Insist on talking to a rep in the UK. They are a bit better but still awful service. Only hope that you don't get in to a problem otherwise good luck! Bad service just another credit card company. If they could just improve their customer service...!
    Guest's full review     | 88 words

  • Review by
    MikeyB123 Rank: Staff Sergeant
    on 4th Jan 2008


    User Rating : 8
    Respect : 0

    I have had my Platinum card for many years and have had no trouble with it at all. When on holiday my wife's card was stolen, the thieves got nothing from the account and the card was replaced very quickly. They even offered to get an emergency card to me in the South of France that day. Since then they have rung me to confirm large payments, odd payments (such as car hire in south australia and food purchase in France on the same day). i am happy with their service and I feel the card is se ...
    MikeyB123's full review     | 114 words

  • Review by
    Guest.
    on 19th Dec 2007


    User Rating : 8
    Respect : 0

    I had a bad experience in the initial start of my credit establishment. My ex husband took my credit cards (3 of them) and maxed them out, and left me the card holder responsible for thousands upon thousands owing in debt. I recently paid off (settled) with the collection agency about 8 months ago, and asked for a credit history and rating from Equifax. Obviously, the results were not good. Capitol One gave me a second chance to rebuild my credit. I give them the most respect for giving an hones ...
    Guest's full review     | 97 words

  • Review by
    Guest.
    on 6th Dec 2007


    User Rating : 0
    Respect : 0

    unreasonable increase in APR* in my opinion, charge annual free in spite of the card being a no annual fee card. I would die out of poverty but never take a capital one card or loan
    Guest's full review     | 42 words

  • Review by
    vlawernce
    on 4th Dec 2007


    User Rating : 0
    Respect : 0

    I really don't recommend this company.
    vlawernce's full review     | 152 words

  • Review by
    rickiez
    on 27th Nov 2007


    User Rating : 8
    Respect : 0

    I have been a capital one member since 2003. I am very happy with them. I have never been late or gone over my limit. I have never had a problem with capital one. I did go through a little hardship and almost fell behind on my card payments, but capital one worked with me without ruining my credit score! Every card has its ups and downs. It all depends on the consumer and how they handle them.
    rickiez's full review     | 106 words

  • Review by
    themoon9times
    on 5th Nov 2007


    User Rating : 1
    Respect : 0

    I've been with Capital One now for over 5 years. Recently, I changed banks. I had to enter my new bank account and routing numbers online, which I did, and mistakenly typed in a wrong number on the routing. I made a payment, and it was returned with no explanation. I made another payment and it was also returned, again, no explanation. When I contacted them as to what might be the problem, they wouldn't read me back what I had typed, so I had to retype everything and THEN the payments started go ...
    themoon9times's full review     | 421 words

  • Review by
    jacksonpp
    on 15th Oct 2007


    User Rating : 0
    Respect : 0

    New customers of Capital One get a better deal than a 10+ year valued customer, where is the logic?? Was a great customer for over 10 years, always on time, charged thousands of dollars of stuff. Then all of a sudden one day they raised my apr from 6.9% fixed to 15.75% variable and changed the 30 day grace period to a 25 day grace period. This happened totally out of the blue. I called them, and all they said was you have another month to agree to the terms or "opt out" which basically meant ...
    jacksonpp's full review     | 181 words

  • Review by
    seaver
    on 11th Sep 2007


    User Rating : 2
    Respect : 0

    Account managers at Capital One fraud department cannot empathize with customer problems and are bound by "policy" so they cannot even hear what you are saying.
    seaver's full review     | 136 words

  • Review by
    swendling12
    on 10th Aug 2007


    User Rating : 2
    Respect : 0

    When I first decided to get a credit card I struggled to find a company that would accept me as a young student with little to no credit history, Capital One started me out at a measly $200 and I have since worked it up to an even grand. Recently I have been having a lot of troubles with them in general, they have always been difficult to communicate with over the phone due to outsourcing, and really have been sticking it to me with fees, $300+ in the last year due to non-substantial reasons, fr ...
    swendling12's full review     | 188 words

  • Review by
    Jeffman
    on 1st Aug 2007


    User Rating : 0
    Respect : 0

    Even after calling Capital One customer service and working my way through several levels of management they just plainly didn't care. Even though they know they are losing my business forever. Never been late.. great credit.. Only carrying about 1K on a 10K limit card.... I will of course be getting rid of this card.
    Jeffman's full review     | 126 words

  • Review by
    HT1367
    on 30th Jun 2007


    User Rating : 0
    Respect : 0

    I have had my card with them for over 4 years I got one to rebuild my credit with a 300.00 limit in the whole 4 years I have had only 2 increases to only $500.00- I have never been late and always pay on time. I tried to get an emergency increase to fix a plumbing disaster and they would not even increase it for that, if you're trying to repair your credit stay away from capital one they do not care!!!!!!!
    HT1367's full review     | 86 words

  • Review by
    rskinne Rank: Lance Corporal
    on 7th May 2007


    User Rating : 1
    Respect : 0

    I was ten days late once and they upped my APR to over 28% after being on time for over a year and a half. Also, when I called them because I was experiencing difficulties logging into my account online, the girl I spoke to was incredibly rude. I have a masters degree in information systems and she was treating me like I was incredibly stupid.
    rskinne's full review     | 71 words

  • Review by
    thetruth
    on 17th Apr 2007


    User Rating : 2
    Respect : 0

    I have had my account with them for over 5 years. During the entire time, I was only 30 days late once (about 3 years ago) due to an oversight. Recently my APR was increased to about 20%. I spoke with 3 supervisors, and I was told it was increased for all customers due to "economic conditions". I feel that this is an unfair practice, especially considering my excellent payment history. Since all my other credit card companies appreciate my business, and they keep my rate competitively low, ...
    thetruth's full review     | 118 words


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