I make decent middle class money and my credit score is a 795 with no derogs and low credit card utilization and this company will not increase my limit over 1000.00. I had the card over 2 years and they never have. They send me a letter with a different reason everytime. Meanwhile discover and citibank both give me increases into the 5 digit range. The only explanation i can come up with is they think they can force me into getting another one of their cards or they see that I am a smart consumer and dnt want to increase my limit because it will prevent me from getting larger rewards. My balance is rarely over 200 at a time and a lot of times its paid off every month. Between this and their horrible customer service reps that are robotic like in their conversations due to a language barrier and scripted responses this card and company is garbage. Im just going to let me time run out on these cards until they close my accounts.

I have to agree with you! they don’t care about customer service. i am currently going thru this right now. i was approved and two weeks later they restrict my account and request social, drivers license proof of address, bank statement and utility bill. customer service said it would take 7-10 business days and i’m on my 13th day waiting for my card to be un restricted. everyone tells you there’s nothing to do! so please don’t waste your inquiry on capital one! not worth it!

I applied for this card and immediately was approved then suddenly had my account restricted because I needed to show proof I am who I am. I sent them all documents over but they kept having difficulty with my proof of residency (we live on military base) so I had a back and forth with them for FOUR MONTHS. After I submitted another proof of residency I didn't hear from the person handling my case for 6 weeks and I was calling weekly for an update on what was going on. The first 3 representatives tried helping and and notifying the person handling my case to look at my documents because they found it strange too that I haven't heard back but the person never called me back. The 4th representative told me that the document wasn't VALID after 3 others told me it was completely fine but because I didn't hear back from anyone they closed my account. I demanded to talk to a supervisor and the supervisor goes "Well we can't do anything now because its closed and it sounds like you couldn't prove your residency anyways." Excuse me? I gave you three different documents to show proof on top of the other 6 documents I sent over. Ridiculous.

I had this card for about two years. The cashback and travel points are great, but recently there was some fraudulent activity which I wanted to take care of. First there is no online dispute option and you have to give them a call. Then during the call they said that I need to fill some forms and provide some proof. Although the amount of dispute was very small. Every other card that I own does this automatically without need of a call or filling forms. I cancled my card and will never work with Capital one again.

Horrible customer service. I disputed a charge from Expedia for a clear misrepresentation of a "luxury resort" in Mexico that my wife and I were going to stay at for our honeymoon. The place was not at all what was described on the website. There were many problems with the resort, but most egregious problems were the sanitation of the room, the water coming out of the faucets was brown, and they ran out of bottled drinking water. Expedia, also having horrible customer service, did nothing about it and has lost our business for life. Next we took our issue to Capital One and have spoken to several representatives, all of whom agreed that the charge was misrepresented. We were initially refunded our amount and followed the process of proving why we were disputing the charge. One of the steps is to provide a signed letter with a company letterhead from a competitor of Expedia showing that they would also consider this charge misrepresented. I explained to all of the Capital One representatives several times that I can't just call up Priceline and have them send me this letter. The Capital One representatives always agree with me on the phone and then I get a letter in the mail saying the charge will still be on my card because I failed to provide the signed letter. This is very confusing, frustrating, and shows that Capital One does not care at all about their customers. I will be cancelling my card and will never give them my business again.

Capitol One doesn't tell you everything they require before hard inquiry on your credit. They require old school fax or hard mail of your social security card, your proof of residence and your driver's license. I already have an active, healthy account with them, and they still gave me hell in the application process. My credit score is excellent and I'm military. They are the most difficult people to work with. Go with American Express!!!

This is a good starter travel credit card or a card for someone who wants to put in very little effort into a travel card. It's a flat 2% on everything and very easy to redeem with the purchase eraser. I outgrew this card when I wanted to really maximize my rewards.

I use this card when none of my targetted credit cards provide better rewards. The points are pretty competitive for regular purchases but targetted credit cards are always better in their respective categories. In spite of it being marketed as a travel card it really doesn't offer all that much when compared to other travel cards. Still, I rebuilt my credit with CapitalOne cards and they've always been good to me and this card has its place in my wallet. They're good on raising your limit if you use your credit responsibly and can show income and, aside from slow reporting to the credit reporting agencies, I have no gripes about how they do business. I will say it gets hacked more than my other cards even with me taking care where I use it. They don't hold me accountable for any of the charges but it is kind of a pain because new cards take a week or two to arrive once it gets locked after a hack. I'm not sure the thought process behind taking a long time to get a replacement card out to the cardholder so they can start spending money...

I use this card like a debit card and pay it off every month. It's amazing how fast the miles add up when you use it this way. Booking trips is super easy and I love that you can use them for rental cars and hotels! The intro 50,000 paid for our flights to Disneyland and our rental car. Love this card!

I should apply but I don't know. I just paid down a ton of debt to get my utilization down to about 20 percent. Also, I have too many inquiries plus a new Discover card. Chap. 7 BK falling off next year. should I wait?