Reward Zone® MasterCard®

Had this credit card for over 4 years and everytime i ask for a limit increase they deny it.  When i first opened the account my credit score was less than perfect and since it has gone up over 150 points.  one of my other credit cards that i have had for just as long just recently increased my credit limit by more than 80% of the original line of credit.  these guys are horrible!  plus the APR is insanely HIGH! avoid like the plague!

I would not have actively sought this card had I not needed a computer for work. Applied with the following info:

Transunion: 670

Equifax: 645

Experian: 643

Pulled from Transunion with a $1500 limit. Applied in-store with 0% interest until December. If I pay in full by then, no interest charged. I not paid in full, interest will be charged retroactively for full amount at 28%! It will be paid in full.

There are really no benefits to this card other than being able to finance the computer, but I would still recommend if it is necessary. I wish I had applied for the rewards card.

I applied for this Card with a CS of 609 

I was approved for a CL of $500 

This was 2009. I never recieved a CL Increase or my APR% never changed. 

I called this week to cancel it. The immeditly Offered me a CL increase of $2000 dollars and a Apr drop of 8% From 24-16%

Should have called sooner to end my CC :) 

 I underpaid by $25 (forgot to add the min. pmt.) on a deferred interest promotional purchase and was whacked with the interest charges. However, I called BB (Cap One) and explained my error and that I would pay the addl. $25 min. monthly payment on top of amt. sent in and they waived the interest charges.  I double checked after and it is being reflected on my statement.  So, I give them 'credit' for working w/ me on this one.   

Horrible Horrible Customer service.  Told my balance had been paid in full and then closed the card.  Received another statement with a $65.00 charge.  Called agajn,  more Horrible Service.  They couldn't figure out why I was charged the $65.00,  then they proceeded to (do me a favor, my BUTT!!!) By only charging me $30.00! Watch out.  

None of the customer service reps are on the same page.  They all tell you something different every time you call,  then when they mess up. the customer has to pay their hard earned money to "make it right"  Who wants their credit affected by one crappy credit card ( Citibank. ) So your basically forced to pay it off.

BUYERS BEWARE: DONT DO IT!

I have had this card for over 2 years and Stuck at $800 limit.my fico is 748.my other cards are American Express  blue sky preferred card with $10k,citi thank you Preferred with $8,500 chase freedom with $7,500 and a discover with $9k limit then this one.oh almost forgot the apr on this card is the highest apr at 29% then to make things worst you have to pay $59 every year just to keep the card. If you want to build your credit I suggest you get a Bank of America card At least they give credit limit increases. One last thing when you call Customer service Don't expect them to help you the just don't Have any power to do absolutely nothing to help.so if you looking for a card that grows with you score Look elsewhere and if you do get a cli it will be small and they will do a hard pull.oh and yes I was Denied a credit limit increase. Capital one What a joke

I have this card and I cant say its horrible because it does its job but like many I have been stuck at a $300.00 limit with a 29% APR. I rarely use this card because of the before mentioned interest rate and limit. It doesnt seem like it grows with you and just FYI yes this is a toy card for me as my FICO is 690. I wont call for a CLI because I dont want a hard pull at the moment so this card is going to stay in the drawer. 

Thought I was applying for store card,,got this one instead,, didn't mind except the annual fee and 300.00 limit,, can't buy much with that or maybe that was the point. Haven't had 1 cl increase since opening the acct. nearly 3 yrs ago. Never asked for one either jus thought I'd keep building up my credit to get a decent card to use so I wouldn't need it anyway. My score was in low 600's when I got it and I am now over 700 so I think it served it purpose. easy to apply for and no problems with use so far.

I opened this card in July 2011. With my bad credit history, these were the only people willing to consider me. I researched a bit before applying (because of the hard inquiry I would get) and was able to qualify at a 595 Ex Plus score.

So far it's alright. I charge everything and pay it off asap. I've earned $15 in rewards which isn't much, but it's fine with me as I'm rebuilding my credit (3 collections on file). Customer service is so-so. Most I've waited is about 15 mins on business nights. In the last 5 months My score went up over 40 points and was able to open another credit card! Yay!

I hate this card!  They have changed banks 3 times in the past few years and lost one of my payments.  Now my CR shows a late payment and they refused to take it off.

Worst Cutomer service ever!