Capital One

Capital One, I think everyone has seen their commercials with the catchy slogan "What's in your wallet?" and to be honest I never thought twice, but I have to hand it to them, they have one of the best applications for cards I have ever used. Not only do they have a clean interface with perks easily displayed and purchases shown with logos of the establishments, but they have a fast response time for payments (instantaneous) and watching your limits shoot back up and the cash back rewards pop in just makes you feel so darn good. They gave me a chance when I was barely eligible, not only that, but they gave me a taste of 0% APR periods and cool perks that I never thought I deserved with my standings. In combination with other providers I have earned my Good Fico score Rating I have today and I intend to keep it that way.

The Capital One online and app systems are comprehensive and easy to navigate. Checking, savings, and credit card accounts are all right at your fingertips and easily viewed either comprehensively or individually for more detailed info. Big thumbs up!

This bank is just bomb. I love them SOOOOOOOOOOOO much!!!!! They've been with me for years. This bank ALWAYS has my back. ALWAYS. It's a ride or die bank. The only complaint I have is that they outsource their customer service to countries with thick accents who are near impossible to understand. If 98% of your clients speak English and you must outsource, why not outsource to countries who have cultural and language competence in the country you primarily serve? Like Canada, Japan, Mexico City (not other areas though), and Jamaica. These are all really good countries to outsource to. NOT India, Pakistan, Columbia, Nigeria, or Central America.

I have a Quicksilver and Venture card with Capital One as well as a Walmart card. They have been absolutely amazing in terms of customer service. I actually received an Amazon gift card in the mail from them. Out of all the companies I have, Capital One is the first to ever send me such a gift. Amazing company and will continue to be a customer.

I have been the biggest salesman for Capital One for years. I advise my clients to get these cards. They have always provided outstanding customer service and been my partner. I have had this account for almost a decade. All of that said, it is clear that they are changing their ways! I made a payment of $4,727.73 (payment made weeks before the statement due date) and after 4 days they had not released the available credit. They even continued to approve charges the day they received the payment but then took the account into lockdown the day after the payment. When I called I was told that this is common when an excessively large payment has been made.

I have had a Capital One Credit Card for over 11 years. I have always paid on time. I have charged it up to the limit and paid it off completely several times. I know my credit was not good when I first was approved for the card and I accepted that. Over the last 11 years I have not asked for a reduction in interest rate. However, I received a new 10,000 Credit Card from CITI Bank with a rate in single digits. Being a loyal customer to most brands I use, I wanted to get my interest lowered at Capital One. I figured since my credit score is now in the 700's this would be a simple request. Without any concern of me cancelling my card they said they could not change my rate. I even talked to a manager. She said rates are only changed when the company mails you something. I was really surprised, so I said cancel card. I guess I will be a Citi customer from now. I guess they do not care about keeping good paying customers.

Don't apply for Capital One master card because they are bunch of thieves who get a hold of your money. I have been very very disappointed with their service. I highly recommend any other company but them.

I used to have a Capital One Quicksilver Rewards card that I used when traveling abroad. Capital One canceled it because I did not use it much. I recently applied for the same card, but Capital One will not approve me for it, even though I have an 800+ score and a high income. They won't provide the reason for rejection over the phone, so I could correct it. Instead, they will send me a letter with an unclear explanation in 7 to 10 business days.

Whoever is trying to decide in which bank to do business with do NOT chose Capital One. The reason why is that once they have your money, they will never return it when you move to a different state where there is no Capital One. You better have some extra money because it will take them months before they send you money back to you or your new bank. It happened to me, and after seven months I am still waiting to receive my $10,000. If you want to talk to me about it, my email address is **. DO NOT BANK WITH CAPITAL ONE, please.

I am relatively satisfied with my Capital One credit card, however recently I wanted to provide a feedback and was not able to find how to do so, even though their website has thousands of reviews. Are those all fake? The issue I was trying to bring up is credit line increase. In my opinion their policy has a flaw. Let me explain it.