Capital One Reviews
May 22, 2017
Stay away!
Anonymous

They approved me for $500.00. I used some of the credit, made 3 payments on time and then they CLOSED my account. Their reason was I had too much credit. When they closed my account my credit score shot down 50 points. NEVER AGAIN will so step foot in a Best Buy. They can K.M.A.

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Aug 05, 2016
HORRIBLE NEVER USE THEM
Anonymous

I had an auto loan from them and even making payments on time they would still call and pester me about payments all the time. I had to take a block all MILLIONS of their numbers. Their customer service is horrible. If you get someone its an indian and you can't understand them. Their payments, if you give them your bank account info are withdrawn earlier and earlier each month. After the second year I figured out that I had made a whole extra payment because they were shaving a few days off each month. So the first month it would be due the 15th then next month the 11th then the next the 6, etc. After 2 years I added up all the payments and I had made 25 payments in 2 years. What a sham! They are a horrible company and I am GLAD to be rid of them. I had to pay the loan off early, 3 years early to get them to quit with the harassment.  Hope this company goes under...

I'm unhappy they I have to get them 1 star, this company gets NONE!

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Feb 13, 2017
Great
Anonymous

It was fairly easy to get, and a great emergency fund

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May 26, 2017
Great until fraud occurs
CT0
1 Contributions 7 People Helped

I've had this card for several years. Always paid on time, happy with everything until it got compromised due to a fraudulent attempt this weekend. Thankfully with the Capital One Wallet app, I caught it right away and locked my card. I called in to get it closed and replaced. When the new card arrived, a sticker on the front read that it was already activated- that was new/different than ususal, but I shrugged it off and put it in my wallet.

Unfortunately, when I went to use it the next day, it was declining. I logged in online and it said my new credit card account was locked and I needed to call the fraud team. Very strange, since I thought the fraud was handled and this was a new card. I called in, and they told me my credit card address was flagged as "bad" and I needed to provide my driver's license scanned back-to-front, proof of residence, and my social security card scanned to get the hold removed. Wait, what? Why should I have to do any such thing after being a recent victim of fraud? What made even less sense was that the address the fraud team flagged as "bad" is the same one I do all my Capital One banking at, where my credit card has been registered for months, and where they shipped the new card. And if they genuinely felt my address was even potentially "bad" or "fraudulent" (both suggestions are logically absurd), why would you bother to ship the new card here?! That above all else shows clearly, the issue is rigid customer service, not my actual consumer safety from fraud. To me, it sounds like a computer algorithm flagged something erroneously, and a human needs to take the extra step to apply the logic at hand to remove that flag for a loyal, paying customer. No such thing at Capital One "fraud protection" services!

When I tried to explain all this to the rep, I was pretty much ignored. I needed to give them all the aforementioned information, and that was the only solution to a problem I didn't create. No option to escalate to a manger who could help out, no application of basic logic (why suddenly flag this address out of the blue? Why not just call the banking side of operations and cross reference that my address is the same across accounts and settle it that way?). I was so fed up being ignored by the rep, I thanked them and ended the call, and tried calling in again to hope that a human would answer this time. Same roadblock reasoning! The computer is the be all end all. They have no interest in doing their job (customer service), just ticking off whether they got all the information required to clear the flag.

So I'm done with it- the new card can stay on hold, and I'm moving on from QuickSilver. Capital One has enough of my information, and if this is how they treat a loyal, paying customer when fraud occurs, then I'll take my credit card business somewhere that can handle it right. Don't make a customer twice the victim in the name of "security" (again, so secure you shipped the card here). Use your heads, and train a team equipped to provide actual customer service, insted of blindly following an auto prompt. If you can't, at least develop a protocol or route for things to get escalated to a manager than can help.

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Jan 19, 2017
Free Games!
BooBeeNYC
1 Contributions 6 People Helped

I love this card! I got approved for lowest rate offered, 14% with 10K credit line.  I use the card for business and my mobile payments and have gotten I beleive 4 games already in less than 6 months because of the volume of spending I do.  If you are a PlayStation owner and love that console then this is a must own card. I love the rewards and only wish Nintendo had a card too.

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May 25, 2017
Unsure
TyChunk
1 Contributions 0 People Helped

Not saying anything bad about the card because I wasn't approved. I have a 610 credit score and make 60,000 a year. I have 0 collections on my credit and a car loan with 4 payments and all have been on time. Just confused why I was denied. Just an FYI if anyone is in the same situation 

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Apr 25, 2017
Easy to earn cash back. Love this card.
Anonymous

Low monthly payments and easy cash back.

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May 27, 2017
Terrible Line of Credit
Jakaman33
1 Contributions 1 Person Helped

I applied for this credit card in an effort to open one more acount to get to the top tier for open accounts. I have an 804 credit score and multiple cards with credit limits over 12k. They issued my 2k out of the gate and in the 2 years I have had it, I have never received an increase. I recently contacted them that I was thinking about closing the account due to the low credit line and no reason for the line or an attempt to increase it were made. 

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