I received my card Aug 2016 with $600 cl, and after 7 on time payments they just double the cl to $1200. The only thing I wish they did was take debit card payments and not just check payments for the monthly bill. Also, the minimum payment iis only $35 which is nice if you have a rough month financially and can't afford to make a bigger payment.
Ask for a replacement credit twice. Both times never recieved them. Waited for nothing. They still had the audacity to continue charging me the $3/month annual fee when they refused to send me a replacement card. Today is the 28th of Feb, 2017. They claimed that the last time they sent the card was Jan 16, 2017. BS. Liars. I applied for a Capital One Platium on Sunday. Tuesday morning I get a email saying my card is on it's way.
I would not recommend even if trying to rebuild your credit. Try elsewhere first.
In the 10+ possibly 15 years experience with these guys, I can't say too many positives. Even to this day they are my highest interest rates card due to some late payments a decade ago. Nothing I have done since then has gotten it down. My credit line goes up incrementally about $100 every so often. But what good is that with a high interest rate? I've contemplated closing this account dozens of times but as someone who overcame bad credit, there is always a fear of putting a dent in it by taking away credit. And the high fees especially for late pay? It's insane. There has not been a time when I didn't feel like the price gouged me. There's companies that truly want to help people and ones like this that just take advantage. Don't bother calling Customer service either it's not in house.