Avoid Capital One they’re garbage! Read all of this review for an honest true review. I’ve been with Capital One since 1998 and I’ve yet to have a credit limit increase which has remained at £2500. Back in 1998 this was good, today is dated and puny especially with today’s economic climate. If you try to get a credit limit increase on their online app it’s instantly denied (as I discovered) and if you write to them (as I did) you get an ambiguous response telling you that they can’t do it manually and you have to use their online app!! In other words it’s impossible yet when it comes to charging you interest on your account they are really sharp! Because of this I’m really annoyed and disgusted with their actions, clearly a long term customer like myself means nothing to them!!! So be careful with Capital One and avoid them! I’ve paid off my balance and won’t be allowing them to charge me any more interest! Date of experience: 08 February 2024

This is the worst experience I have ever had with a bank or credit card company. I noticed a few weeks ago that two cash withdrawals totalling £380 had been taken from my account. I never, never withdraw cash using a credit card due to the high charges, and to the fact that I have more than enough in my bank account to cover any cash requirements I may have. I contacted them to report the matter and they told me to destroy my existing card and they would send me another. They also said they would investigate the fraudulent activity. Initially, they refunded one of the withdrawals quite quickly and, when I contacted them, said they were still investigating the other but credited the amount anyway. They then informed me that they had concluded this was not fraudulent activity and intended to charge me for the withdrawals and the associated charges. I was completely shocked. I live alone and no one has access to my card or a pin number. In addition, in the many years I have been with this company I have never once withdrawn cash on a card. Suddenly they were implying that at the age of 68, having never in my life been involved in any form of criminality or financial impropriety, I was attempting to defraud them of £380 or colluding with someone else to do so. I appealed the decision but they refused to overturn it saying it was “not possible” to reach any other conclusion other than my having used the card myself or allowed someone else to do so. Well, they are wrong and I am both beyond furious, and extremely upset, by this event. Just a cursory look at my account history should indicate that this was totally unusual activity. An almost identical thing happened to a friend of mine with an Amex card a while ago and they refunded the money immediately. This is so wrong, and while I will appeal to the Financial Ombudsman and disseminate the details of this experience as widely as I can to warn others, I am left feeling pretty helpless and badly used by this experience. This company is not acting in good faith. If they want people to use their products they should be prepared to compensate for fraudulent activity due, I can only conclude, to inadequate safety measures on their part.

When I made redundant I ask all my lenders to help for 60 days by not adding interest. All managed to comply (Tesco, MBNA & Virgin )apart from Crapital One. They took their £50 of interest and I hope they enjoy it as that is the last they will get. At any point I get the opportunity to lose them a few potential customers I will take it, so hopefully within a few reviews this disgrace of a company will lose far more than the extra £50 they HAD to take. Use another Lender as these are uncaring fools.

Annoying that every time you use the card it is declined even when a large balance is available. It seems they like to have you ring then up every time so they can check it is you using the card and not a fraudster - slightly over zealous and making me look bad at the store!

Worst card ever, I had a few credit cards and went into a debt management plan so I could pay them all off quickly. All lenders agreed to the Debt Management Payments but only Capital One applied a DEFAULT to my credit file. Even after I had paid the card off in full, it continued to report monthly I was in default - so for more than 6 years after the account is closed they will have had a very negative impact on my account. They are twts, it affects my ability to get credit for years, all for reducing my payments on my small balance from £10.20 a month to £7.40 a month for only 8 months. Avoid at all costs, they couldn't care less about their customers, it doesn't even help them to put this on peoples credit files - they just do it out of nastiness. I've phoned them dozens of times, always foreigners answer, never English, and they point blank refuse to do anything.

Worst card ever, I had a few credit cards and went into a debt management plan so I could pay them all off quickly. All lenders agreed to the Debt Management Payments but only Capital One applied a DEFAULT to my credit file. Even after I had paid the card off in full, it continued to report monthly I was in default - so for more than 6 years after the account is closed they will have had a very negative impact on my account. They are twts, it affects my ability to get credit for years, all for reducing my payments on my small balance from £10.20 a month to £7.40 a month for only 8 months. Avoid at all costs, they couldn't care less about their customers, it doesn't even help them to put this on peoples credit files - they just do it out of nastiness. I've phoned them dozens of times, always foreigners answer, never English, and they point blank refuse to do anything.

I applied for a card 5 weeks ago and was given an acceptance straight away. 7-10 working days have long gone and after 4 phone calls,I was told they'd had problems with their computer but my card was in the final stages and then I'd receive it within 7-10 working days. Again,nothing has arrived. I would never have bothered applying if I'd known I'd have this problem. And then to top it all off,you can't even contact them on weekend cos they seemingly don't open at weekend. Biggest joke ever. I would never recommend these jokers to anyone.

This company would not even know the meaning of the phrase ‘’customer service’’ if it jumped out right in front of them. I have had some terrible experiences with other company’s but these guys out do them all. The highlight being the gem of how not to do customer service ‘’if you don’t like it, pay up your remaining balance and clear off somewhere else’’ . If you are thinking about being a customer forget this company, shambolic, unprofessional, they are many better companys out there.

I wish id read the dreadful review on here and avoided this shower 

despite telephone calls and letters and promises they still get it wrong every single month .the fraud detection system just does not work ,they even admitted to me over the phone, which i have a recording of, that something is wrong with their systems .i are having to compensate me for their incompetence

In error I made a large overpayment on my capital one credit card , I have been with them for several years and was ecstatic that at long last I had managed to clear the debt. I phoned them and asked them to close the account and refund my overpayment to my current account. I was informed that the refund would be made within 3- 5 working days but this didn't happen, I phoned again and was told that this was incorrect and they could not refund my cash until 10 working days had passed - still nothing so I phoned again and was told that the refund had been made but would take 5 working days to show in my account- still nothing. On my last phone call I was told that the system had failed and overridden the refund so they had sent me a cheque - which hasn't arrived. Now I have been informed that they can not credit my account until they have stopped the cheque - no one appears to know what they are doing! they are a waste of space as far as I am concerned this is theft. I am now waiting for a phone call on Monday but I wouldn't like to take bets on receiving it. Any ideas on how to get my money back?

I filled out application info. for Capital One Quicksilver credit card 6wks ago. Two weeks after that they needed proof of income for 2013, residence, and energy bill. I sent those, and two wks later they asked for the same info. again, so I had to call to tell them I had already sent that. After 4wks I called to see what the delay was, and was told that they were still working on it. I was told to call again on Aug. 13, if I had not heard anything. I called then, and was told the home office was having some issues with working on applications. But to call again on wed. Aug. 20. When I called then I was told that I was denied. He said they had sent a letter on Aug. 11, which I never received. I have perfect credit, so figured they did not want me. I applied for another credit card from Chase, which I received in 1wk. I learned from Chase that I would receive that card after being on the phone with him for less than 30min. Capitol One is one of the worst businesses that I have had to work with, and was glad that they denied me, so I can just quit with them, and forget the headache.

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.

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 point out any negatives with my experience and would defiantly recommend the company. The interest rate on the classic card is no more than the Barclays initial credit card; and the APR rate advertised is the rate you get, unlike aqua who hiked the APR rate up with a lower credit limit!

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

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 them at all costs.