I love Capital One. They have given my a couple of increases since I was approved in 2014. They are my highest limit. They just offered me an upgrade to cash back card and I accepted which did not affect my credit score and took all of 30 seconds to do online. Not only is it cash back but it took away my $19 annual fee. This is my first review and I just had to take a minute to do so because they have been wonderful for me! In response to the negative comments on the customer service, I have never dealt with any cs so I'm sure those complaints are most likely valid. Personally I avoid any cs for anything when possible, so hard to have a "good" experience with anyone's customer service, although it does happen on occasion.
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In order to 'earn' miles, you have to have made travel related purchases to pay off with the miles your earn. And it has to be like within 6 months or something. And if you want to reimburse your ticket, you have to have enough points for the whole ticket price- maybe even 2 tickets if you bought two at once. Good luck firguring out how to do that on your own - I had to call in. The rep was kind enough to go through my statements with me and help me find travel related things to pay with my miles. It's sad.
I've also been a customers for well over 5 years. Since then, they've increased my credit limit 1 time. I've had a high balance on this card for almost 2 years. I finally paid it off and requested a credit limit increase in they denied it (3 times in 10 months) because I'm not using enough of my credit line. seriously??
Please don't get this card.
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