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Data Created: October 01, 2013

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838 Cardholder Reviews

Results 1-10 of 838Results per page: 5 | 10 | 25Page 1 of 84   Previous | Next

All Reviews

Helpful to 565 out of 590 people

Pro:I had a credit score of 512 CK. I got approved for $500 and it has gone up to $1500 after one year. My credit score is now 630. Make sure you keep ure balance under 30% usage. i.e. my limit is $1500 so i keep my balance under $450. That is what's building my credit.

Con:Always pay on time b/c the fee is $40 and intrest kicks in after your first year.

foxsbaby23's review was:    

  Oct 07, 2010 Reply

foxsbaby23(1, 565)

Review by foxsbaby23

1 Contributions 565 People Helped

Helpful to 321 out of 329 people

This was the first card I applied for and recieved after my credit had gotten jacked up.

Here's what I did.  I applied on a Sunday evening, online, and was immediately approved for a $300.  I called a few days later, after receiving the card and asked for a higher limit.  I was told to pay ontime for 6 months and I would automatically get an increase.  Fine.  It's been 7 months and I have recieved a $200 increase so now I have a $500 limit.  Their customer service is excellent and if your payment is slow to become available after making a payment online, if you call, they will promptly adjust this!

tip:  pay a week and a half before the due date, leave an overall 80% of your credit available. Thus means you are only using 20% of the total limit.  Your credit score will glue by leaps and bounds if you do this!

tip:  also, during the holidays are the absolute best time, in my experience, to dispute negative credit report items.  It seems like by default, the Credut Bureaus are usually late to respond to your disputes and therefore, have to automatically remove the negative items from your report.

if I was helpful, please give me your vote :). Thanks again!

ttnfrst's reply was:    

  Oct 25, 2013

ttnfrst(6, 356)

Review by ttnfrst

6 Contributions 356 People Helped

Helpful to 6 out of 11 people

Your fee is 40$ a month?

RaelissaIsabella's reply was:    

  Jul 19, 2013

RaelissaIsabella(1, 6)

Review by RaelissaIsabella

1 Contributions 6 People Helped

Helpful to 4 out of 8 people

Bad mistype ;) 

HomE ownership. (Tablet keyboard is small)

tomato13's reply was:    

  Jul 22, 2013

tomato13(6, 34)

Review by tomato13

6 Contributions 34 People Helped

Helpful to 1 out of 3 people

how long did it take you to  build your credit from 512-630

kzachary's reply was:    

  Jan 29, 2014

kzachary(1, 1)

Review by kzachary

1 Contributions 1 People Helped

Helpful to 3 out of 8 people

Here it is:

ttnfrst's reply was:    

  Oct 25, 2013

ttnfrst(6, 356)

Review by ttnfrst

6 Contributions 356 People Helped

Just got approved Helpful to 38 out of 38 people

My credit score is 567 and I just got approved for a card with a 300 dollar limit. The interest rates are high, but I plan to keep the utilization between ten and twenty percent--it's solely to rebuild my credit. I thought I'd have to go with a secured card, so this makes me very happy!

Aug 17, 2013 Reply
Helpful to 1 out of 2 people

Great work! Rebuilding credit takes time- I know, I have been working on mine since 2012!

deafdogowner's reply was:    

  Jan 14, 2014

deafdogowner(2, 9)

Review by deafdogowner

2 Contributions 9 People Helped

Use the card for what its worth. Helpful to 70 out of 73 people

I have had two CapitalOne cards for two years plus, ($500 & $750) .  I used them to re-establish my credit and currently have a Discover ($3000) and Blue Sky American Express ($2000).  No late payments, CK 680, FICO 731, yet CapitalOne will not increase credit limit.  So my advice is to use them, but don 't plan on any great credit limit increase. 

rpm0903's review was:    

  Mar 11, 2013 Reply

rpm0903(1, 70)

Review by rpm0903

1 Contributions 70 People Helped

Helpful to 75 out of 79 people

637 and DENIED and another hit on my report...thanks a lot.

sissa0930's review was:    

  Oct 28, 2011 Reply

sissa0930(1, 75)

Review by sissa0930

1 Contributions 75 People Helped

Helpful to 5 out of 6 people

simply start with the secured!

Armyvet2004's reply was:    

  Nov 15, 2013

Armyvet2004(8, 9)

Review by Armyvet2004

8 Contributions 9 People Helped

Helpful to 6 out of 9 people

What was ur credit score im thinking of applying with a 656 but im affraid of a hit too 

stephanieprffitt's reply was:    

  Jul 19, 2013

stephanieprffitt(2, 6)

Review by stephanieprffitt

2 Contributions 6 People Helped

Great card! Helpful to 45 out of 47 people

Being only 19 I had been denied a Victoria's Secret card 3 times, a Wells Fargo student card, and a discover student card which made me feel like I'd never get approved for a credit card. I applied for this card and was approved instantly with a $500 credit limit. Being my first and only credit card I am very happy with it especially with the no interest for 9 months. I've had it for 2 months and have went from no credit to a ck score of 670.

cskipper12's review was:    

  Jul 08, 2013 Reply

cskipper12(1, 45)

Review by cskipper12

1 Contributions 45 People Helped

Helpful to 0 out of 2 people

That is awesome!!! Keep it up! Sounds like you have the right idea, just NEVER let yourself go, even for a little while, thats when they get ya, but you sound way to smart for that...KEEP IT UP!

Armyvet2004's reply was:    

  Nov 15, 2013

Armyvet2004(8, 9)

Review by Armyvet2004

8 Contributions 9 People Helped

Meh Helpful to 56 out of 61 people

Not sure which of the three "Capital One Platinum"s to put this under, so I'm doing all three. Maybe they shouldn't subscribe to the Creative "SoundBlaster X-Fi Fatal1ty Platinum Pro XtremeGamer HD X2 Gamer Edition Titanum XtremeMusic 7.1" naming system for their cards.

Applied years ago, first credit card, $500 limit.

Fast-forward six years and it's currently at.... $500. With a high interest rate and no rewards.  Apparently, at 23 years old I can be approved for a $31,000 car with no co-signer at 2.65% interest... but CapitalOne doesn't trust me for more than a half-grand.

Whatever, I kept using my Chase card that actually gave me rewards.

Big thing came when my wallet was stolen. I had to report my CapitalOne, Chase, and Citi cards.

Chase was simple. Card was deactivated, new one overnighted.

Citi was/is hell. Broken phone support, told to call back in a couple hours.

CapitalOne, much to my surprise, was pretty good -- I had a little difficulty understanding the CSR but he was very polite and I should have a new card in about 4 days.  Chase only came out ahead for the "overnighting my card so I can actually buy groceries".

So all in all, they don't trust you but their actual customer service is pretty good.

ahanix1989's review was:    

  Jan 27, 2013 Reply

ahanix1989(4, 99)

Review by ahanix1989

4 Contributions 99 People Helped

Resisting to honor their mistakes Helpful to 34 out of 37 people

I called in August of 2012 for a balance transfer when they offered me 0% for 12 months.  I had them repeat the offer many times on the phone with me prior to it being 'final'.  Then the first bill came with an interest charge...I thought it was just the balance transfer fee, then the second bill came with a charge?!  I called and they told me that the balance transfer was applied to an offer for 4% interest!!! I explained to them that this was NOT what I agreed to and I challenged them to go back and listen to the voice recordings.  They stated they would and would call in 10 days.  Nobody called, I got another bill with another charge on it so I called again, "oh they still haven't reviewed it, I'll put in another request and will call in 10 days.  Again noone called, again another fee.  I call again and get the same story.  Today I called for the forth time and only then does he say its been denied be us that offer wasn't available at the time I had called???!!!!  I told them I will not pay for their mistake and to listen to the voice recording, if that is the case it was their mistake not mine.  They said I can of talk to the 'back office' and that Victor will call me back within 10 days.....that sounds familiar.

Mar 05, 2013 Reply
Helps kick start you. Helpful to 20 out of 21 people

I got this card one year before I got my ck score of 618. Lord knows what my score was then. I got a $300 limit which to me was awesome. I slowly started getting a limit increase and then got an offer for the rewards card through C1. My intention is to cancel this card once my mortgage is final. I hate paying fees for something I use to spend money. I'm thankful that this helped me build my credit and kick start me on a path to homo ownership.

tomato13's review was:    

  Jul 22, 2013 Reply

tomato13(6, 34)

Review by tomato13

6 Contributions 34 People Helped

Helpful to 14 out of 14 people

"homo ownership" - Nice. Also, don't cancel that card, keep it active. Cancelled cards hurt your credit score. 

sam5cott's reply was:    

  Nov 20, 2013

sam5cott(2, 15)

Review by sam5cott

2 Contributions 15 People Helped

cap one card Helpful to 12 out of 12 people

I have had a cap one card for 2 years now, have never missed a payment with them, have always paid well over the min. payment and have only received one increase in 2 years, I started with 300 dollars and a year later they raised it to 500 dollars, my scores are good, I have good income, have even bought my truck with cap one and yes every month I pay one and one half payments on the truck, and yet no increase on my card go figure.

citisat's review was:    

  Mar 07, 2014 Reply

citisat(1, 12)

Review by citisat

1 Contributions 12 People Helped

This card wont Grow with you! Helpful to 53 out of 60 people

I got this card back in January of 2011 and got approved for $500 at 24.90% apr and $19 annual fee. My score was 610 CK at that time... I gotten one increase for $250.00 at the 3 month mark in the 2 plus years I had this card. So I have been sitting at the $ 750.00  line for 2 years. Asked a few times for an increase and always get the " we don't accept customer initiated credit increase requests, we do our own reviews and increase lines accordingly, we are a very conservative lender blah, blah, blah" I never been late with a payment, never been over the limit once and yet they don't review and increase my limit....This Card did it's job at that time, but now I only have it open because it helps with the avarage age of open lines. Since then I have gotten a Chase Freedom M.C, A Discover It Card, A barclays Nfl Extra Points Card and Citi Thank you Card. I will never get another CapOne Card thats for sure. Also their Customer Service is Horrible.

funkytown76's review was:    

  Apr 24, 2013 Reply

funkytown76(6, 81)

Review by funkytown76

6 Contributions 81 People Helped

Helpful to 12 out of 14 people

I agree with ParkerJr.  When you go through hard times and are rebuilding credit, Capital One is one of the few lenders willing to extend credit those that are in the 550 - 640 range (the poor category).  Even people with past bankruptcies in the past 7 years I've seen get approved by CapOne.  You're right that Capital One only does once credit limit increase for cards in the average category and they probably do that to help minimize their risk as there is an inherent risk lending to people with scores less than 600.  Keep in mind Capital One does offer prime cards where they usually approve people with higher CL's and do more frequent CLIs (I had one in the past, 7 years ago, so I know).  

hulkamaniac69's reply was:    

  Sep 26, 2013

hulkamaniac69(32, 124)

Top Contributor

Review by hulkamaniac69

32 Contributions 124 People Helped

Top Contributor

Helpful to 18 out of 23 people

Dont bite the hand that feed you , remember Capital one is the reason why u have M/C , Discover and Citi bank.

parkerjr's reply was:    

  Sep 09, 2013

parkerjr(1, 18)

Review by parkerjr

1 Contributions 18 People Helped

Results 1-10 of 838Results per page: 5 | 10 | 25Page 1 of 84   Previous | Next

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Card Details

  • Balance Transfer Intro APR Not
  • Balance Transfer Regular APR 22.9%* Variable
  • Purchase Intro APR 0% until January 2015
  • Purchase Regular APR 22.9%* Variable
  • Annual Fee $39
Learn More Visit Application Page

Cardholder Rating Distribution (838)

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Company Overview

Capital One offers numerous credit cards to fit consumers’ needs, including rewards cards, competitive rate cards, student cards, secured cards, prepaid cards, and several co-branded cards. Capital One's Credit Card Lab also helps consumers determine which card is the right fit, with a quick online form to determine the best card offers according to each consumer's spending needs and finances, with results in about 60 seconds. Headquartered in Virginia, credit cards are issued by Capital One Bank and available in branch and online. Capital One serves banking customers in branches located primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia. Credit cards are available online to all customers nationwide.

Capital One, founded in 1988, is a Fortune 500 company and is a diversified financial services company, offering an array of credit, savings, and loan products for consumer, small business, and commercial clients.

Capital One® Classic Platinum Credit Card

Intro APR
until January 2015