I did not understand an aspect of how autopay works but my customer service representative explained it clearly and slowly so I understand it well now. When I lost my card it was easy to cancel and replace. No complaints from the 6 months I've had them.
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If you are applying for a Capital One Secured Card Acount, you will pay the minimum secured deposit. I closed my account in January of 2016. It is now late August of 2016, I have yet to recieve my secured deposit which is to be given back after closing the account. This is assuming you do not owe any money, which I do not. I have been issued 2 seperate refund checks, which I have never recieved, and the third time calling about my money I have not recieved back, I have been told it would be 10 business days for the company to follow up on my case, and 3 business days for the funds to be direct deposited. This was on August 5th and it is now August 29th and I still have not recieved my refund. When calling to speak to their customer service, I spoke to Kim who is their senior account manager. She informed me she would have to submit a request as the other senior account manager had, who I spoke to on August 25th. I was told it would take another 48-72 business hours for them to recieve the information about my refund from the secured account department and why I still do not have a refund. Kim would not allow me to speak to her supervisor and offered no other means of finding where my funds are besides submitting another request to the secured account department. If you want a card that will help you build credit, this card will do that. However, do not expect to recieve your secured deposit back. Also do not expect any help from their customer service, they will continue to apologize and give you the run around. I will be surprised if I ever recieve my funds back. I will be closing my other account with them and switching to a new credit card company. I would not reccommed this card or this bank to anynone. Especially seeing my payments were always on time and I still have yet to recieve my refund almost 9 months later.