Capital One

I've been banking with Capital One for years. I've had no negative experiences and I find that customer service goes above and beyond. If you're deciding which bank to go with for a checking account, do yourself a favor and pick capital one. Keep in mind that the Capital One Credit Card is a partner company, and not as fantastic as checking/saving with C1. The credit cards are mostly 'meh.'

I would start by saying Capital one is the best card company out there for middle class struggling trying to repair their credit. I found them to be the best for me. No Annual fee. A little high on the interest side but approved is what we all want. A fresh start. A chance for the hardworking American. I have always been approved when others say sorry. Nope. Capital one says, "Hell Ya."

I've had a Quicksilver card for a bit over a year now. I always keep my balance about 2% on report day. My score jumped about 70 points in one year always paying off my charges as soon as they post. I pay as I go because I do my shopping mostly online. Their app lets you link bank accounts so you can pay electronically. The cashback is very simple, there is no programming necessary. Cash rewards come up by itself. I use mine for a statement credit although they can be applied to Amazon purchase or gifts card. You can enter the Capital One lounges with the World Elite Quicksilver card at DIA and upcoming airports. Capital One won't let their customers get head over heels in credit card debt with the Quicksilver because it is necessary to pay between charges.

They offered me the card without fees due to already having the basic, paying on time, etc. With a $700 limit. No biggie. OK. Then I realized today that I have a 0% APR and that when I do pay an APR it's a little lower than the other card. Kinda made my day. I normally keep a low balance, but this year has been rough and I'm so grateful I've had these cards to rely on. I've got a lot to pay back, but it's worthwhile considering the struggle it could have been. And because of C1, I've now got a few other cards with low APR, my credit is growing and I'll be able to get a good home loan soon instead of the high rate loans that were thrown at me before. Thanks!

Insane, even in the fraud department I can't get a rep that speaks and or comprehends English. Dealing with the most simplest of things is a complete nightmare with this company. They just told me that if the car rental company that robbed me, emails me every 14 days, there is nothing Capital One will do to help me get back the money that was robbed from me. No joke, I have this phone call recorded.

I had the worse customer experience with them. I didnt receive my credit card in over a month. I tried to get a new one but they made it so difficult to get a new one. They said I would need to verify myself with uploaded documents that would take another 7-10 business day. It was very frustration knowing they could have verifed me by any other way but choose not to.

Did little or nothing to assist when my account was hacked. Their system did not pick up multiple Oklahoma charges even though I live in CA and have never been to OK. Clearly hacked by an employee as the debit card fraudulently used was in my desk drawer and had NEVER been used by me. Told me to wait 10 days to have $1000 theft reviewed.

My credit is impeccable. Never been late. I was a great customer to Capital One, pity that we end on such a bad note. Liars! They said they would refund me the 95$ fee when I canceled the card the same month the fee was due. They did NOT. They lied. When I called the guy said, "Oh well. Nothing we can do."

I order a Quick Silver credit card from Capital One that offered a $200 sign up bonus after I spent $500 in 3 months. I met their requirement and never received the $200. I called them 5 times and received incorrect information after wasting about 45 minutes per call. I finally talked to a supervisor (so she said) and I was told that I didn’t qualify for the $200 and she couldn’t tell me why. I was never notified before I received the card that I didn’t qualify. Do not fall for Capital One’s bait and switch program and go with a reputable company’s credit card.

Capital One appears to be intentionally obfuscating the dispute process. Summary: After 1.5 years of repeated checking and document submission, I have been told that this case was disqualified from the start for being 10 days late to a deadline for which I had no notification.