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bluecamel20

30 Contributions 347 People Helped Top Contributor
Member since: June 2011

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Capital One® Platinum Prestige Credit Card

Helpful to 221 out of 237 people

Most capital one cards are for people with bad credit or rebuilding credit.  They are helpful for people who need to build their credit, but they don't make as much money with people who can easily pay off their monthly balance, and they would rather have 10 customers with a $500 limit then 1 customer with a $5,000 limit so they can't offer what someone like you would actually appreciate.  Unless you go for one of the very few premiere cards they have, they will decline you every single time.

- Jan 11, 2013
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Review by bluecamel20

30 Contributions
347 People Helped

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Capital One® Platinum Prestige Credit Card

Helpful to 221 out of 237 people

Most capital one cards are for people with bad credit or rebuilding credit.  They are helpful for people who need to build their credit, but they don't make as much money with people who can easily pay off their monthly balance, and they would rather have 10 customers with a $500 limit then 1 customer with a $5,000 limit so they can't offer what someone like you would actually appreciate.  Unless you go for one of the very few premiere cards they have, they will decline you every single time.

- Jan 11, 2013
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Review by bluecamel20

30 Contributions
347 People Helped

Barclaycard® Rewards MasterCard® - Average Credit

Helpful to 19 out of 19 people

You gave this card 1 star because they charged you a fee when you were late on your very first payment?  That's like getting upset when you have 30 unpaid parking tickets and your car gets towed...

And it didn't cost them $1000s in lost business, unless you have racked up $1000s in interest charges on all your other cards.  And Barclays doesn't make money off of transaction fees - that would be MasterCard.  Barclays (or the issuing bank) makes money off of interest and fees.  And since people complained so much about being charged fees due to their personal negligence, the government has made it harder for them to make money.  So they have to make it when and where they can, such as when you miss your very first payment on the card.

Banks aren't in the business of giving people credit just to be nice.  If there wasn't money to be made off of it, then there wouldn't be credit cards (or loans).  So don't fault them for making money when you can't even pay your bills.

Your review is very deceiving to other users and is therefore a problem.  Most mature adults understand that they need to pay their bills or else they will be charged fees.  Thats part of the agreement that you signed.  You told them "I will pay you the fee that you stated if I can't pay my bill" and they said that they will "give you more buying power, as long as you agree not to abuse it".  And after agreeing to that, you complain when you don't hold up your end of the agreement??

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

Capital One® Auto Finance

Helpful to 14 out of 14 people

Call them, explain what happened, and ask them to remove it.  If they do not, then dispute it with the credit reporting agencies (all 3 major ones).  People (including data entry people) make mistakes.  

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

Capital One® Auto Finance

Helpful to 7 out of 7 people

If they are, they aren't paying me (maybe I should call them).  But you should read the reviews.  People are rating them high because they are an amazing credit card company.  People are rating them high because they are giving them a chance when no one else will, like me for instance.  I ruined my credit in college (even maxed out a capital one credit card and they wrote it off), and the first credit card I was approved for when I started trying to rebuild my credit was capital one.  And the second credit card I was approved for was capital one (after being turned down by Chase and Discover).  And then they gave me a car loan with - according to the guy at the car dealership - an amazing interest rate for my limited and bad credit history.  He was shocked it was under 18% (8.9% to be exact).  

From what I have heard, if you have good credit, Capital One is not a good credit card company (compared to the credit cards that you can get with good credit - Chase, AmEx, etc).  But from my experience, if you have terrible credit or are trying to rebuild, they are pretty much the only ones that will take a chance on you even after screwing them over.  And unlike several other credit card companies that target people with bad credit, they take care of you better than you can expect for your situation.

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

Capital One® Auto Finance

Helpful to 4 out of 4 people

No, they provide a service.  You don't have to get a loan, idiot.  It's not forced on you.  You make an agreement with them to pay a certain amount of money and in return they will help you get what you want right now.  Quit being a b*tch and grow up.  Anyone who makes an analogy with Bugs Life most likely has the mental capacity of a 8 year old.

The best way to fight them, if you have a problem with them, is to start your own bank or just NOT GET A LOAN WITH THEM.  Of course, you'll never be able to buy a house or a car before you're 50, but you don't HAVE to get a loan.  Banks basically guarantee idiots like yourself, since business can't be done on a hand shake anymore (because idiots like yourself stop paying, and get mad when anyone expects you to pay what you owe).

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

up2drive

Helpful to 3 out of 3 people

It has nothing to do with Credit Karma...Did you realize that they were going to double the length of your car loan, and that was how they would lower your monthly payments?  The math didn't add up because you don't know how to do math.

And it's not a bad thing that your real credit score is higher than what CK shows.  It would only be bad if your score was actually lower.

- Jun 05, 2013
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Review by bluecamel20

30 Contributions
347 People Helped

OneMain Financial Personal Loans

Helpful to 3 out of 3 people

They have no early pay off penality (at least not when I got a loan from them) so you can pay it all off right now.  They charge higher than normal interest rates, but like you said, they are willing to work with anyone who needs them.  So that's really the moral of the story for this company - only go to them if you NEED them.  If you have decent credit, go anywhere but OneMain.

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

OneMain Financial Personal Loans

Helpful to 2 out of 2 people

Probably not, I feel the same as tlocke.  I had terrible credit and they gave me a loan.  Of course there interest rate is ridiculous, but no one else would even consider giving me a loan so OneMain is there if you REALLY need them, but if you have decent credit, you should look elsewhere.

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

Capital One® Auto Finance

Helpful to 2 out of 2 people

You need to find out if the car is in your name at all.  Check the title, the lease agreement, your late husband's will.  If he willed it to you, then it is yours.  And if you don't want it, you can contact Capital One and agree to sell it and pay off the remainder on the loan in a reasonable amount of time.  If they aren't willing to work with you on that, you can force them to through the court.  You can even turn down things that are willed to you, but I'm not sure what the time limit is on that.  Which would mean that ownership of the car would revert to Capital One and they would just take the car and that would be the end of it.  It does not matter if you were with him when he purchased the car or not.  That just means that your name is most likely not on the lease agreement.  But like I said, your name may be on the title (if he had it added) or if the car became your posession in his will.  But if EVERYTHING is in his name, and the ownership was NOT transferred due to the will, the ownership of the car defaults to the lean holder (Capital One in this case) and that's the ONLY thing they can take.  If you are fighting them on taking the car, then of course they are going to make you pay.

-- I'm not a lawyer, but I just have some knowledge on the topic.  You should talk to a lawyer to figure out what to do exactly, or call Capital One and explain what happened and that the car was only in his name.  Ask them to remove everything to do with this car payment from your credit report and see how to turn over posession of the car to them.

- Sep 03, 2012
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Review by bluecamel20

30 Contributions
347 People Helped

How Your “Insurance Score” Impacts Your Car Insurance Rates

Helpful to 2 out of 2 people

well it's a private company so they can do whatever they want.  If you feel so strongly about it, start a company and don't use credit reports for anything.  And from my experience of shopping for car insurance about 3 months ago is that most of these companies do NOT look at your credit history.  They look at your driving history, your age, where you live, what kind of car you have, etc, etc.  A few do look at your credit history, but those are mostly the upper-class insurance companies that most people never even think of (like Travellers and The Hartford).  Stick with Allstate, Nationwide, State Farm, Geico, Progressive, etc.  

As I said in a different post on this article, I have bad credit and a good driving record.  I have a new 2011 Camaro and I got a GREAT rate from Nationwide.  My girlfriend has amazing credit and an amazing driving record.  She has a 2011 Corolla and got a quote from Nationwide for about $20 a month more than me.  However, she got a quote from Allstate for about $50 less than they quoted me.  So make sure to shop around to all the major and semi-major insurance companies (Nationwide, Allstate, Progressive, Geico, State Farm, Travellers, Hartford, MetLife, and etc).  If you own a house, see if you can get a discount from that insurance company.  If you rent, get a car insurance quote from the company that you get renter's insurance from.

So a word to the wise, just because the writer of this article knows some of what he is talking about, he doesn't know everything.  Most insurance companies could care less about your credit.  Some might not even car if you stole the car, they care most about your age, driving record, and where you live.  Also, if you are living with someone with a bad driving record, that could affect it.  Make sure to not put them on the title, insurance or anything.  Do not put a person with a bad driving record as a driver of your car.  I don't care if it's your husband, or your son or daughter.  Don't do it.  And if you don't put them as a driver, do NOT let them drive your car because if they wreck, the insurance company may use that to get out of paying for anything.

But yes, it is very, very fair, as it is a private company.  This is why competition is good because trust me, there are companies out there more than willing to take your business when their competitors don't want to or don't offer you a low enough rate.  You just HAVE TO SHOP AROUND.

- Nov 12, 2011
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Comment by bluecamel20

30 Contributions
347 People Helped
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