Capital One Secured Credit Card Reviews

I need to change the phone number on my account in order to access it to pay the bill. They insist on two factor verification so they text a code. They don't have my new number to text the code. I called, the recorded message kept saying it couldn't help me. The live chat had me take photos of my ID twice, and when I called again, they told me I have to wait six days to be verified via my ID. I need to pay my bill tomorrow. This is a ridiculously long process to change a phone number. I changed it with my other bills and cards instantly but this is going to take me days??? Unreal.

Paid off my card and was told I could use my card in 10 days just to be lied to and find out my card was charged off, then they said I would be refunded and still haven't been refunded my money back. This card is horrible.

I have been a long term customer with this credit card company. Due to medical hardship, I asked if they would be willing to lower the interest rate to assist with payments. Nope. No help. They will do nothing. If you make payments, they will offer no assistance.

I have had a retail credit card managed by Capital One for several years. My account has been paid off without fail monthly during that time. Recently I made a clothing purchase online and used the card but had to return the item because of fit. Unfortunately, the returned item was not received by the store in time to meet Capital One's closing date....because of USPS delays during a holiday weekend. I called both Capital One and the store to alert them to the issue. As a result of that call a $29 late payment fee and interest accrual (for something I returned successfully per the store) were waived. But Capital One continued to hold the return item in the second billing cycle and billed a second time, this time with a $40 late fee and more interest, APR about 30%.

The customer service was horrible! I contacted Capital One because I was going to make a purchase, and earlier in the day, I had submitted a payment to the card so the purchase could be made. The app said the payment would be "posted" the same day. I received an email that said the payment would be "posted" the same day. Approximately 2-3 hours later, nothing was posted. I called to find out why, and the person I spoke to did try to help, but when she was told it couldn't happen by her "support team" she could only regurgitate the same line over and over - which was not what I was asking.

Low credit line Secured card with no chance of upgrade or increase over one year as I had the card. Not what I signed up for. Offshore call centers with people reading scrips every time I called. One trip to the store due to inflation will wipe out your whole credit line to zero. They post your payment quick and if you're lucky it will show up a week later on your card after they take it from your bank in one day. After one year they start hitting you with major fees for everything after they say it is a no fee account. Capital One has become a predatory lender in my opinion only and since they are closing so many branches I closed my account so I did not have to travel 105 miles to a branch.

I had to contact Capital One to report identity theft activity to my account and since then I'm unable to verify myself to them so I can reestablish my credit cards and account. After many times sending my DLs and information still they are unable to help.

Capital secured credit card lowers your credit score. I was excited my credit was going to go up/ better with Capital One Secured Credit Card. They don't help with your credit score. Capital One Secured credit card they take your money. They don't even give you a grace period for your payments. They keep charging you, you can never catch up unless you pay it all in one lump sum. If you pay minimum payment early they still charge you late fees. If you're a day or two or even 3 days late they still charge you late fees. They really hurt your credit score. I canceled my Capital One Secured Credit Card, even though it'll hurt my credit score, my credit score is going down anyways because of Capital One Secured Credit Card so why not cancel them. I can still try to build up my credit. Capital One Secured Credit Card

They had a special savory one MasterCard spend $500 $200 off. I got approved when I call to see what happened with my benefits and my reward I was told I did not qualify for that and I meantime they send me the credit card with a large amount of available to spend so I question why am I approve if they do not want to approve the special that they have so they are falsely advertising stuff to open up the credit card. Can’t wait to close this credit card. Nothing but a scam.

Capital One is the worst!
Over two months ago my replacement credit card never arrived, so when they sent an email to verify its arrival I responded that it hadn’t. The next I heard from them was an early morning phone call; to my wife, not me the actual account owner, who then told them to call me. Well, they then told me that over $2000 was charged to my account and asked me to prove who I was to rectify the issue. They asked for a government-issued id with a picture, social security card and proof of residence. I was sent a link to send the documents to which I immediately did. Next morning another call saying they couldn’t read some of the docs so I sent them all again.

They Charge very high weird interest irrespective of your very good credit. You will not recover fraudulent charges on your account, what they do is to temporary credit your Credit Card Account and take back the money after few days. They just give you false impression that they made efforts to recover your money, the fact is once your account has been charged by any fraudulent organization, Capital One cannot fulfill their promise of recovering your money. My Account was fraudulently charged by Ridesafely.com, but Capital One could not recover my about $1500 and more, Capital One asked me to provide evidence which I did, but at the end, it was as if Capital One & Ridesafely.com had a collabo.

Capital One hassled and tracked me for 2 1/2 years to take this card. I opened a pre-approval, and it said it wouldn't affect my credit (wrong). It approved and sent me a card with the highest interest rate ever.. I was just checking. I didn't accept and it was a hard pull..So now I take the hit and have to accept it..Then once I used and my bill was due..I make my payment, which is a EFT (primitive) so it takes 3 days to post..I think it taken care of and the next I know is, I have late fees from Capital One and overdraft fees from my bank..(Honestly never happened to me before.) Then the interest is instant and monthly. I don't even carry the card with me anymore and get alerts of balances..Member fee $39 / month or year I don't know..This card cost you money even when you don't use it..If you're looking for a good credit card this is not it, unless you want spend money and not get nothing in return..I would never recommend Capital One.

I have contacted them multiple times and have been issued a new Cap One card with a new #, the fraudulent charge is still posted on my Capital One account, I am getting tired of a run around with them. They declined an innocent kitchen store charge that I had to re order and let a larger fraud charge go through. I am seriously thinking I should just cancel the card permanently. They really are getting hard to deal with.

After having received repeated alerts, on separate occasions, that you were sending a new credit card WHICH I HAD NOT REQUESTED AND INFORMED YOU OF SUCH you continued to mail fraudulently requested cards to an address that was NOT mine. Each time this occurred you stated that a note had been placed in my file that “no request for an additional or replacement card should be sent and that if a request occurred that it immediately be shifted to your Fraud Department”. Well, I guess all that I can assume is that the note was written in INVISIBLE INK because it has happened 3 times!

I had quite the frustrating experience with Capital One! Their promotion (refer a friend to receive a $100) left me feeling like a magician trying to find the "right link" for my $100 reward. Shame on Capital One because all their promotions turn out to be more "promoshun" than actual benefits. And as for their customer service, well, let's just say they might need a few more training sessions before they can truly assist with all those account problems.

No follow through. Raising interest rates for making payments on time. Not receiving cash back on credit purchases. Hard time closing account. Fraudulent charges. Sending bill to an address I never updated with Capital One. Hold times are torture chambers. Asking for personal information like driver's license and social security card copies. Capital One already had that information. How else would I of got the Credit Card in the first place? Beyond stupidity and back.

Very bad experience with my Capital One credit card. I discovered unauthorized interest charges being placed on my card every month even though I pay the entire balance in full every month! Also realized I am being charged another interest charge when I would get cash back at the store. They consider this a "cash advance" and charge interest on that as if I was borrowing money. Terrible policy.

I opened a Secured card in 2017. I recently applied in 2023. Due to Covid I could not pay these guys back. Practically everyone lost their jobs. About two years ago I paid my account off in full and have even been approved for an AE card, top notch. I recently applied again, and it is AUG 2023 and I was denied with a great credit score. THIS COMPANY DOES NOT BELIEVE IN SECOND CHANCES WITH CUSTOMERS!!! INTEREST RATES ARE CRAZY!!! Thank you American Express and Discover for believing in your customers!!!! I was warned about Capital One, do not fall victim to high rates and their upsidedown stolen Nike logo.

I have had a Capital One credit card for the last year, only because it is connected to REI. Previously, US Bank administered the REI credit card, and I did not have a single complaint or problem. Now, I have had numerous problems with Capital One, and the customer service is poor and unresponsive. Recently, our card was restricted because they claimed they needed the birthdate of my husband, the secondary cardholder. My husband called, submitted a photo of his driver's license via their portal, and we believed the matter had been resolved. A month later, a restriction was placed on our account.

Was credit card customer for over 15 years and had a dispute with a company that promised me a $258 refund - after jumping through hoops and mailing 9 separate disputes in with all the back up paperwork they said they only had some of the paperwork and denied the claims (guess they lost it internally?) sent everything in again but they denied my dispute and sided with the merchant. Lost hours on the phone arguing with them - you can't reach the dispute department directly so it was a minimum of 30-90 minutes on hold as I got transferred to different departments and many times got "disconnected" - barely could understand the representatives. I have cancelled all credit cards and bank accounts with Capital One and would not recommend using this company that has gone downhill in the last couple years.

A recent stay at a hotel resulted in a duplicate charge and a misrecorded tip. Alerts from Capital One, specifically meant to identify these anomalies, gave me an opportunity to quickly fix the hotel’s errors.

I applied for credit card a month ago, and I was asked through the link to provide some documents for verifications, which I did submitted online the next couple of days. I haven't heard from them the whole month, due to the employee's negligence and not even looking at the application. They did hard credit check and affected my credit score. I just called now. She said, "Oh it could be the image you have sent were not clear!" What??? You could have notified me. I've had credit card and car loan from them in the past. The images were clear as water.

I have had my Capital One card for two years. Been paying on time and asked for a credit increase was denied for payment being too low. PAYMENT was set by Capital One and IS NOT ONE OF THEIR CONDITIONS FOR LIMIT INCREASE WHICH ARE AS FOLLOWS ACCOUNT 6 MONTHS AND PAY ON TIME by their website. Customer service is useless when you call them. Claim they do not have access to the info and one rep suggested paying it off; if I could do that I wouldn't need a limit increase. Don't deal with them. Very horrible experience. They don't even deserve a half a star and have yet to make an acceptable offer to me.

Title: Capital One's Customer Support: Shockingly Incompetent in Resolving Disputes and Protecting Customers. Review: I am utterly dismayed by the abysmal level of customer support and service provided by Capital One. My vehicle was significantly damaged by a merchant, resulting in a broken wheel sensor. Despite my best efforts and providing Capital One with all the necessary requirements, evidence, and proofs outlining the entire problem and my attempts to resolve the issue, their disputing managers proved completely inept at assisting me. I strongly urge everyone to reconsider applying for a credit card with Capital One, as they are likely to encounter the same nightmarish experience.

I started out with Capital One Secured Credit Card to build my Credit Score. I had one credit line increase from $500 to $1100. # YRS later I ask for a credit increase because 25% of $1100 is only $275. What can you buy for $275 these days. I pay my bill in FULL each month to avoid paying interest since 2019 now 2023 they declined my request for a credit line increase, reason, "recent use of this account's existing credit line has been too low". I called their "Overseas" customer service asking what does this mean, answer, "I don't know". Manager, "I don't know but if you will look on the letter it will tell you what it means". This reason is not listed on the letter FQ&A. SO what is the reason for their customer service if they are unexperienced to assist customers? What good is Capital One Silver Card if I can only make a purchase of $275, that's not even groceries.

I paid $110.00 for my credit card. They won't give it to me. I sent my ID about 7 times. It's blurry. They say it was taken at Mtr vehicles. I can't change it. They have my SS. They do not need my ID as I had BJ's for 25 years. No other credit card co has put me through this. It is not blurry. No one at the fax thought it was blurry. They are insane. I can't use my card. It is restricted. I will not put my ID on the computer for them, they have more than enough proof. No one there speaks English very well, horrible bank. At 84 years old I have to go through this nonsense. They are sick.

I have used Capital One for over 20 years. I have excellent credit and pay my bill in full every month. For the third time already this year, I have been notified of suspicious activity and have had my card shut down. I have called whenever I've received an "alert" and no amount of explanation that it was a legitimate error by a vendor saves me from, "we are shutting your card down." Now, once again, I have to wait 10 days to get a new card and then get the privilege of going to all automated payment accounts with an updated card number. I've begged them not to shut down my card because of a vendor error like the wrong billing address but they won't stop despite my long term customer loyalty nor the fact that the card is actually in my hand. My other credit card vendors don't behave this way so I am moving on.

I have had my Capital One credit card for years and have traveled all over the world with no issues. Over a year ago I got a card for my Daughter to use while she traveled throughout Europe and Asia. The card is constantly getting declined, I receive the conf code to accept the charge and it still gets declined. I have called many times to try and find out why and how we can fix it. I'm told there is nothing wrong with the card, no restrictions and there is plenty of available balance. It just handed again, she is in Bali and tried to get a $12 Uber and we tried several times and still the card was declined.

I could not get in touch with this company no live agent to chat with in regards to my account. I was wrongfully billed. Inaccurate information and now I have to go ahead and file a fraud on my account. Due to this issue I have a 0 balance but it shows I owe which isn't reporting the right info on my credit report or on my billing statement which I have bank records to show I paid in full. Horrible service. Do not ever get this card. They will not report accurate information on your credit report and cheat you out of money.

Oh gosh. Horrible customer service, low APR to start then increases to a whopping 30 apr, no easy access to get cash back. My account paid in full - but I still get incorrect payment statements due. Will never use again.