Just wondered what your thoughts on them are. I've had no option but to shut my account with them due to statements turning up after the date I'm due to pay them. This has been going on for months and its just got a bit boring. I've also got 2 work friends who are shutting thier accounts with them for the same reason.

Is this normal for them or are some of us just unlucky ?


AllanB

 

I've had no probs at all.

 

no probs here,but i have heard of them doing that before.more so to the people who dont use it much,so has to not inform them after the due date,causing them charges.was on watchdog or the like a while ago.

 

Started using Capital One a few weeks ago - cheers for the warning!

I check my statement online quite regularily for all my credit cards cos I don't trust them 100%

 

I've been using them for around 15 months, I have no complaints, my 0% APR on new goods lasted for a year rather than just 6 months, I was hardly going to mention it to them

 

OK for the past few years; no problems whatsoever.

Cheers

 

There's a couple of Capital One employees on here, not sure if they want to comment.

I used to work at Capital One, but cannot comment on anything that's going on there now. Used to have a Capital One card, and it was largely trouble free and competetive.

Simon (now out of the credit card industry).

 

They are extremely poor at admin based on my experiences with them.

I was amazed at how unprofessional they were e.g. hand written envelopes with only half the address, loads of mistakes and completely unhelpful when contacted by phone. And all this just at the application stage!!

I didn't proceed with their card.

 

My cousin applied for their card, and they managed to send it to my address!! Surprised they haven't been closed down!

 

i've never had a problem with capital one at all.

 

Well, it's funny you should mention it, but I've had a problem with my online banking when paying them through it. I am sure I am paying it OK, and then when I get my statement, no payment received. I know I should check it more, but I'm busy being a Mum and business woman!!

I have now resorted to the old-fashioned method of posting them a cheque, which kinda defeats the object......

My advice is get an MBNA credit card - they give them to anyone, well they gave me one, and whenever I make an error on my account, I call the very nice people in Cheshire (nice accents!) and they credit back the late charges. It pays to be a girlie sometimes!!!

See ya
Clare
xxx

 

I now use Amex and MBNA and I've never had a late statement with these guys and they seem far more helpful on the phone too.


AllanB

 

Can't remember what happened, but I had a problem with MBNA a couple of years back, so stopped using them.

Just shows that no one is perfect I guess.

 

exactly the same problems...

 

Slightly of topic

but i recently received "invitation" to upgrade my Gold Amex to Platinum

Sounds great until you realise that the card costs £245 a year for the privilage

Errrrrrrr No thanks

Phil

 

I applied for a Capital One card over the phone, got the paperwork through but decided I didn't need one so never signed it. Next thing the card arrives and they'd done a balance transfer from my Barclaycard onto the Capital One . Took me weeks to sort out and then finally got a letter of apology with some bull$hitty excuse.

Just my experience of course, I'm sure they have many happy customers but I ain't, and never will be, one of them.

Otis.