After four years of always on time payments and a very small credit limit. I requested a credit limit increase and was approved but not without a hard inquiry added to my credit! My credit is great 100% on time payments. Less than 50% usage. All of my other Card providers have tripled and quadrupled my credit limit without my even asking. I am extremely dissatisfied with customer service as well.
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 Their payments, if you give them your bank account info are withdrawn earlier and earlier each month.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!
I use it as a second card. It is rather hassle-free and you just need to set it up for auto pay balance and use and forget. I had a different CC with them but they switched me to this card automatically, no complaint since now I get cash back and before I was not. For some reason, I still pay an annual fee.
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.
I applied for the card as an 18 year old college student. I had no previous credit cards, or loans, and I was still approved. My credit line did start at $300 but what else did I need for credit build-up. After the first 6 months, my credit line was raised to $500. I have always had on-time payments and have tried to keep my balance below the 50%. Well it's been close to 2 years and my credit line has been raised to $5000. Very happy with Capital One and their willingness to help out students trying to start their credit build-up.
Had a CK of 636 and was denied!