Capital One

458 ratings (446 Epinions reviews)
Epinions Product Rating: OK
5 stars
46
4 stars
73
3 stars
46
2 stars
61
1 star
220
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    Highest Rated Consumer Review by the Community

  • Capital One: Can you lend me a Hatchet and end my Misery?

    Nov 27, 2002 by Bryan_Carey is a Top Reviewer on Epinions in Personal Finance
    Rated a Very Helpful Review
    Pros: Good Introductory rate
    Cons: Customer Service is the pits!

    Summary: Credit cards cause mixed reactions from different people, ranging from relief and security to frustration and despair. They can be a real drain on your personal finances, with all the finance charges, over the limit fees, membership fees, etc. They can ... read more

  • Capital One - sneaky, underhanded

    May 11, 2013 by
    Rated a Helpful Review
    Pros: I can't think of a single good thing to say about Capital One.
    Cons: They will do underhanded things.

    Summary: We had a Capital One credit card for a number of years, always paying our payment on time.  They gave us a good interest rate for awhile and then doubled it.  When I called and spoke with them, they said they could not lower it that the reason ... read more

  • Interest Hike--no reason!

    Jul 27, 2011 by
    Not yet rated.
    Pros: None.
    Cons: So many problems, so little time!

    Summary: Two years ago Capital One hiked my interest rates from 7.9% fixed (a personal card I had fro 10+ years) and 8.9% fixed (a business card I had for 3+ years) to 16.24%Had I made a late payment?No, perfect, on-time payments for 156+ ... read more

  • A** Backwards Approval

    Jul 26, 2011 by
    Not yet rated.
    Pros: no clue-didn't get a chance to use the card at all
    Cons: lack of service
    lack of empathy
    inefficiency to collect all needed information before issuing card

    Summary: I was sent a pre-approval for a Capital One unsecured credit card with a limit of $300.  I was approved and received my card within 4 business days. I called customer service and activated my card and set a pin number just in case I needed an ... read more

  • Capital One Business Card is a poor choice.

    Apr 15, 2011 by
    Not yet rated.
    Pros: Introductory rate at a teaser rate.
    Cons: HIGH interest rates after the introductory rate period is over.

    Summary: Most businesses need a revolving credit line to make quick purchases with vendors. Now, I understand the banks were in trouble three years ago. But the Federal Reserve has been printing money, pumping up their reserves. Yet, the banks refuse to lower ... read more

  • CAPITAL PUNISHMENT CARD

    Feb 5, 2011 by
    Rated a Very Helpful Review
    Pros: Cute Card Designs
    Cons: How much time do you have?

    Summary: First of all let me start by saying that I am a college student. When I applied for my Capital One Card, I was under the delusion that credit card companies could do no wrong. I figured that the people that felt any negative way towards them had to ... read more

  • Superb if You Have Good Credit

    Sep 14, 2010 by
    Rated a Helpful Review
    Pros: Interest rate "locked" at the prime rate.
    Rewards program available at no fee.
    Cons: Customer service stinks.
    I keep receiving annoying offers for new cards and credit assurance/monitoring services.

    Summary: I have had a CapitalOne PrimeLock MasterCard since 2004.  The interest rate is supposedly locked at the prime rate (right now, somewhere around 3.25%) as long as I keep my account in good standing.  This card was offered by invitation only (but ... read more

  • They will rip you off and tell you that's their policy

    May 12, 2010 by
    Not yet rated.
    Pros: They honor their customer agreement.
    Cons: Their agreement is designed to rip you off, and they'll tell you so without shame.

    Summary: Capital One's reputation is terrible, and the list of consumer complaints and lawsuits is long and very easy to look up online.  Still, we always pay our balance completely, so we'd never had any trouble with them. Then recently we were ... read more

  • if you don't like paying fees and interest, don't get this card

    Feb 4, 2010 by
    Rated a Very Helpful Review
    Pros: Better terms than many for transactions abroad.
    Cons: They look for ways to hit you up with outragous fees.  Lousy customer service.

    Summary: I am old enough to remember when charging interest of more than 6% was unlawful usury in NY State.  I have always paid my Capital One credit card bill (typically $3-5,000/month) in full and, with rare exceptions, on time.  I have often carried ... read more

  • CAPITAL ONE is THE WORST CREDIT CARD COMPANY - BEWARE!!!

    Nov 14, 2009 by
    Rated a Helpful Review
    Pros: There is NOTHING positive I can say about this stupid credit card company.
    Cons: Horrible customer service, non-english speaking reps, disputes will not be handled properly

    Summary: My husband and I researched many credit card companies because we wanted one we could use to bring and use on our honeymoon in Europe. Capital One was the only one that didn't charge international fees so we decided to get one. Much to our dismay, there ... read more

  • Hassles in Canceling My Capital One credit card

    May 19, 2009 by
    Not yet rated.
    Pros: Both persons I spoke to were very courteous.
    Cons: Courteous hassles are still hassles.  So much for the "no hassle" credit card.

    Summary: A few months ago, I called up the 800 number to Capital One to cancel my Capital One Singature Visa.  I explained that I have other credit cards which don't charge annual fees.  I was told that I was a good customer (my credit limit was about ... read more

  • There are much better mileage cards out there

    Apr 27, 2009 by
    Rated a Helpful Review
    Pros: You can book your own travel and then request reimbursement credit. 
    Cons: Rate at which rewards are applied is very poor.  Rigid inflexible rewards rules. 

    Summary: I am someone who got the Capital One "No Hassle Miles" Card primarily to accrue miles.  I use the credit card primarily for big ticket purchases (some personal and some for my small business), and accrue miles fairly rapidly.  I always pay my ... read more

  • All I wanted was a reliable card with a decent credit limit

    Mar 31, 2009 by
    Rated a Very Helpful Review
    Pros:  Ok if you don't have to call Customer Service.
    Cons: Poor customer service.

    Summary: My Profile I have had my Visa platinum card with Capital One for over twenty years, have excellent credit and always pay off my charges every month. Before my problems, I had only one (Capital One) credit card and one debit card (at another ... read more

  • Only If You're Desperate

    Feb 1, 2009 by
    Rated a Very Helpful Review
    Pros: Offers for people needing to build or establish credit. Card Lab.
    Cons: Low credit limits, Extremely high interest rates, annual fees, Crappy customer service

    Summary: I have two Capital One cards. After several years of paying early and on time I'm still paying annual fees, still have high interest rates and low credit limits. Because of the high interest charges carrying a balance is not possible. Unfortunately I ... read more

  • Oh, there's room for improvement

    Jan 30, 2009 by
    Rated a Helpful Review
    Pros: Decent interest rates, good website access
    Cons: Terrible customer service, can't add rewards to card later

    Summary: I have a Platinum Capital One Mastercard.  Most of the time, I feel like it's a Stainless Steel version of the card.  Their interest rate is average, their credit limit is fairly low, and you can't add rewards later on if you applied for a ... read more

  • Beware Of Capital One

    Jan 16, 2009 by
    Rated a Helpful Review
    Pros: They do accept people with low credit scores.
    Cons: Reducing credit limits without notice for overlimit fees.  Plus charge monthly or yearly "membership fees".

    Summary: I did not have a problem with them until the credit crises when they decided to lower my credit limit without being late, without notice so they could charge me an over limit fee.  Do not be a sucker find another credit card company.  I am ... read more

  • Finance Charges Inspite of Automatic Full Payments on Capital One Business Platinum VIsa Credit Card

    Dec 2, 2008 by
    Not yet rated.
    Pros: I use the card on foreign trips only because other cards charge 3% extra.
    Cons: Charges are often refused and cleared only when you call.

    Summary: I have a visa business card that has automatic payment so that Capital One automatically takes out full balance from my bank account every month. For the last three months I started seeing some finance charges on the bill and so I called and I was told ... read more

  • Good Way to Establish Credit, but Watch Out

    Apr 21, 2008 by
    Rated a Very Helpful Review
    Pros: Online account information good. Easy to get credit.
    Cons: Barrage of junk mail. You could get reamed with fees.

    Summary: I have had Capital One credit cards for about 10 years and have only had one snafu which was my fault when it comes down to it. I had a card that I got when I had bad credit, and the interest rate was fairly high and it had a credit limit of $500. I ... read more

  • Poor Customer Service, high annual percentage rates

    Mar 18, 2008 by
    Rated a Very Helpful Review
    Pros: Easy to navigate on line services, handles fraud well
    Cons: Hidden fees, Changing terms, Poor customer service

    Summary: My criteria for choosing a credit card are based on the lowest annual fee, customer awards, and its customer service. I limit our family to having 2 credit card - a primary card for large purchases to gain the most reward points, and a back up - just ... read more

  • My First Credit Card :-)

    Feb 21, 2008 by
    Rated a Helpful Review
    Pros: Will give a credit card to those without a credit history!
    Cons: High interest rate, no rewards

    Summary: Now a days, the way to get a credit card is to go to college. That is unfair! Capital One understands that there are hardworking adults that need a credit card that are not attending a university or community college. I wanted to build credit for my ... read more

  • capital one is horrible

    Feb 4, 2008 by
    Rated a Helpful Review
    Pros: their commercials
    Cons: customer service

    Summary: i had a low limit and high interest rate, so when the time came for my annual fee, i decided the $50 annually was not worth the $500 limit/high interest. when customer service refused to increase my limit or decrease my interest rate, i transferred the ... read more

Showing 1-20 of 446 reviews
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