Capital One® Platinum - EXPIRED OFFER Reviews

Approval Odds

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3.5 out of 5 stars
6 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

3.5 5

These reviews were written by current and former cardholders in the last year.

Oct 27, 2017
Nice card for credit repair
dblclutchn1 Cardholder

I had this card for about 3 months I've paid everything off early I called and used the automated system and got an instant credit line increase! Yay me!

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Sep 27, 2017
Great card
BROWNIE79 Cardholder

Works like all other cards, great that it has no annual fee, but interest is high 24%. Have had the card for about 5 months and waiting to see if I get the increase, as I have paid each month on time like they stated. Cash advance fee is high as well, so stay away from it. Otherwise, I’m loving it! 

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Aug 03, 2017
Mkayyward Cardholder

I've had an account with capital one for around 8 years and only recently created my own banking account. I was approved for 300$ which was strange because I have a higher limit with another company for 1200 which I've only had an account with for a few months . But regardless they seem really easy to be accepted with especially if you have a checking account with a high balance then your credit limit. So far so good . 

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May 17, 2017
Anonymous Cardholder

great card and credit builder

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Mar 14, 2017
I've had this card for 3 months
Anonymous Cardholder

I've had this card for 3 months stated with a cl of $300 and have yet to get at cl increase! I've paid before my due date and always pay what I charge on it for example if I charge $295 I pay the $295 on the 1st due date on the 5th! Am I doing something wrong? I've seen both good and bad reviews of this card 

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Mar 29, 2017

You will get your first CL increase after 5 months .

Apr 19, 2017

You have to wait 6 months and never pay your full balance. Make monthly payments a little more than the minimum payment. For example, if your minimum payment is $25, then pay $50. This is a great card, you just have to wait 6 months to ASK for an increase. BTW, they do automatic increases as well every 6 months.

Jul 03, 2017

good luck started off with a 700 credit line in 2002 here we are 15 years later and I have the same credit line.. Never one made a late payment paid over the acct has a 14% utilization and 690 credit score and still 15 years later no increase. Applied back 2016 they said my payments are not enough doubled up payments balance is now $78 of $700 applied again and was told based on my credit repost one of my revolving acct balance on my Citi bank was too high , but doesnt take in consideration the 14% utilization I have on the acct im want an increase for nor my other 5 credit cards that have a below 30% utilization . In 5 years I have 4 credit line increase all from every one BUT Capital one after 15 years! Capital one is a JOKE

Jul 25, 2017

Pay your full balance its better. And u have to wait 6 months on the 7 u will get increase. Don't leave any balance. Make sure u pay balance before due date stay below 30 percent or will knock your credit a little. Just make sure u pay at least 70 before your due date so u can stay under 30 percent.

Jan 15, 2017
Not a good choice for any decent reason
Anonymous Cardholder

Don't go for it

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Capital One® Platinum - EXPIRED OFFER