Capital One Secured Visa

59 ratings (54 Epinions reviews)
Epinions Product Rating: OK
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    Highest Rated Consumer Review by the Community

  • Need a Secured Credit Card? Go with the Pro.

    Oct 1, 2000 by
    Rated a Very Helpful Review
    Pros: Fair and Reputable company with reasonable fees
    Cons: Annual Membership fee, will not automatically convert into regular credit card

    Summary: Capital One is emerging as one of the top ten major credit card issuers (by outstandings) in the US. They have traditionally catered to those with less than stellar credit ratings and have really capitalized on this niche. They handle over 25 million ... read more

  • Capital One not as good as American Express service for special cases

    Jul 18, 2012 by
    Not yet rated.
    Pros: Capital One by the book.
    Cons: All they know is everything by the book. No help for special cases.

    Summary: I had two scenarios that needed special case service and both card companies handled it differently. Capital One scenario: I used the check 2.99% special wherein if you pay a vendor you can use some of your balance to do so.I called ... read more

  • Worse Card EVER!!!!

    Mar 8, 2012 by
    Not yet rated.
    Pros: Can re-build Credit.
    Cons: They never increase your limit unless you make more deposit!!!

    Summary: I have had a Capital One Secured card for over 15 months now. I have made my own deposits twice to get my credit line up to $1500. I have paid FAITHFULLY every month with the majority of the times paying off the balance 100%. I happened to check today to ... read more

  • Rude customer service, and unexplained charges

    Nov 8, 2009 by
    Not yet rated.
    Pros: Anyone can get their card
    Cons: Rude customer service, angry managers, unclear explanation of fee policy

    Summary: I recently applied to their travel award card after reading the great reward benefits.  Well I signed up with the new customer benefits of first 6 months 0% APR, etc etc.  After I got my first bill, it said I had initial grace period of x days ... read more

  • Don't get a secured credit card from Capital One

    Sep 2, 2009 by
    Not yet rated.
    Pros: Teaches you patience.
    Cons: Is a painfully slow way to get a really bad deal.

    Summary: I cancelled my Capital One secured card account in frustration because after ten weeks from being "instantly" approved I still had not received my card. I had plenty of time to shop around and found that most banks will give you a secured card with no ... read more

  • Shoddy Company for those who are desperate

    Jan 12, 2008 by
    Rated a Helpful Review
    Pros: Credit for those who can't get credit anywhere else
    Cons: High int rates, annual fees and abusive "monthly" member fees

    Summary: Went there when we had to - never ever going back. Bait and switch with low introductory rates that are raised once account holder has charged enough to get a choke-hold on them. Next comes added "monthly member fees" (that are added to "annual member ... read more

  • No hassle? Yeah, right.

    Oct 3, 2007 by
    Rated a Very Helpful Review
    Pros: None.
    Cons: Read below...horrible experience.

    Summary: I got the No Hassle Rewards card and just had two items automatically billed to it every month, no other stuff. After doing that for about six months, and having no problems, I decided I would switch those charges over to my debit account and cancel ... read more

  • Won't let people cash in miles.

    Sep 17, 2007 by
    Rated a Very Helpful Review
    Pros: Absolutely none compared to a cashback card.
    Cons: This is the worst "no hassle" scam ever.

    Summary: So there I was, trying to get the 15,000 miles credited towards the airplane ticket I had bought, and what do you know, Capital One doesn't want to give me credit. I bought my girlfriend a plane ticket home. I read and closely listened to the "No ... read more

  • Resolving Issues with Capital One

    Aug 17, 2007 by
    Rated a Very Helpful Review
    Pros: Their customer service department does answer the telephone.
    Cons: Answering the telephone is where their customer service stops.

    Summary: I have had similar problems with Capitol One Visa as other members of Epinions.com. My issue is a disputed charge from a software company that charged me for software but it did not work. After almost a month of attempting to get help from the software ... read more

  • My Experience With Capital One Secured Visa

    May 23, 2007 by
    Rated a Very Helpful Review
    Pros: Low spending limit helps to keep you from over spending away your budget.
    Cons: You have to pay a annual membership fee and your interest goes up.

    Summary: Several years ago I applied for my secured card. My application was approved, and a few weeks later my card had arrived. Every year I am charged an annual membership fee. The amount I pay them every month has stayed the same. The interest is much higher. ... read more

  • Capital One is Awful

    Mar 14, 2007 by
    Rated a Very Helpful Review
    Pros: none compared to other cards
    Cons: They sell your information, annoying requests for card add ons, hidden fees, deceptive customer service

    Summary: Ok for starters...a week after I signed up with them I started receiving sales calls on my PRIVATE LINE. I wrote customer service telling them that I knew for sure they had sold my information. They wrote me back and said I could opt out of the sales ... read more

  • WARNING!!! Horrible Customer Service. DO NOT be fooled into getting a Capital One card...

    Dec 29, 2006 by
    Rated a Helpful Review
    Pros: NONE - STAY VERY FAR AWAY FROM CAPITAL ONE!!!
    Cons: STAY VERY FAR AWAY FROM CAPITAL ONE!!!

    Summary: I was SUCKERED into getting one of their cards because they had a 1 year 0% on balances and purchases with no fees....biggest mistake I ever made regarding a credit card. I have never had a single problem with any other credit card company ever. I have ... read more

  • Capital One - Keep a tape of your conversations with them

    Aug 26, 2006 by
    Rated a Very Helpful Review
    Pros: none
    Cons: Do not make good on statements and/or offers made by their employees

    Summary: I recently activated a new card with Capital One. When I activated the card, the customer service representative offered me the opportunity to make an additional transfer at the very low interest-bearing promotional rate (which is less than 3%). Of ... read more

  • NO CAPITAL ONE CARDS IN MY WALLET!!

    Oct 4, 2005 by
    Rated a Very Helpful Review
    Pros: NONE
    Cons: VERY RUDE CUSTOMER SERVICE REPS!

    Summary: In Dec 2004 I paid off my first Capital One card and call and canceled it and asked if I could cancel my other one but because it had a balance I was unable to cancel it at that time. In January 2005 I paid the balance in full on second ... read more

  • Can be a rewarding relationship if its in your wallet.

    Jul 16, 2004 by
    Rated a Helpful Review
    Pros: Easy to acquire; rewards you for paying on time
    Cons: sometimes they give you conflicting information, secured card hard to get unsecured

    Summary: I started out with a secured Capital One card. I now still have the secured card and a Capital One platinum card. The secured card started out with a $500 credit limit. Over the past two years I have gotten it raised to $1100. The platinum card, just ... read more

  • Stay away from Capital One; predatory lender

    Dec 12, 2003 by
    Rated a Very Helpful Review
    Pros: Bottom feeding for bad credit report victims they help perpetuate
    Cons: Predatory lender; No Grace Period; Quick to damage your credit; treat customers like dirt

    Summary: My personal experience points up that Capital One is a predatory lender. I am amending my review with the following, from the book, "Credit Card Nation", by Robert D. Manning (Basic Books, a member of the Perseus Books Group; published in 2000): ... read more

  • Rebuild your credit

    Aug 17, 2003 by
    Rated a Helpful Review
    Pros: you can pay monthly on your bill and you can rebuild your credit
    Cons: no rewards

    Summary: This cards helps you rebuild your credit but this has no rewards. Every one accepts visa , and you c ... read more

  • Greed on an unimaginable scale

    May 30, 2003 by
    Rated a Very Helpful Review
    Pros: This card could be cut up into little bits suitable for throwing into trash.
    Cons: Greed on an unimaginable scale, attempted theft

    Summary: So, What Is in your wallet? About a year and a half ago I began receiving bills for my Capital One Visa card. The first bill I received stated that my account was several months past due, my limit had been exceeded, a variety of fees ... read more

  • "No Hassle" - More like "Nothing But Hassle!!!!"

    Dec 30, 2002 by
    Rated a Helpful Review
    Pros: Offer Cards to Young People without established credit
    Cons: No customer service, late fees, telemarketing, unauthorized charges

    Summary: I received an offer from Cap One several months after my 18 bday.I filled out the info & sent it in & was approved for a $200 limit.I immediately called in to put a "cap" (if I tried to use $50,but only had $49 the trans would be declined.)I was going ... read more

  • You better watch when you mail that payment

    Dec 9, 2002 by
    Rated a Very Helpful Review
    Pros: A fairly inexpensive way to repair your credit
    Cons: Late fees for everything

    Summary: After a very messy divorce, I discovered that my credit rating was pretty much destroyed. I desperately needed to re-build my credit and asked my bank what the easiest way was to do so. They told me that a secured credit card, or a credit card that ... read more

  • Watch out for this one!

    Nov 24, 2002 by
    Rated a Helpful Review
    Pros: Pros? None.
    Cons: Credit line called on a moment's notice!

    Summary: After having two Capital One credit cards for almost 5 years, I have suddenly been notified that I must come up with $2000 in two weeks because they lowered my credit line. The reason? In two years, I was late twice (both times on extended vacations). I ... read more

Showing 1-20 of 54 reviews
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