As of NOW (16/01/09) I am back on Ciao... it's been a long time.... I hope my old friends are still ...
As of NOW (16/01/09) I am back on Ciao... it's been a long time.... I hope my old friends are still around... do come and say "Hi"... also, who's on Facebook??
Member since:22.01.2003
Reviews:24
Members who trust:95
I first applied for a Capital One card just after my 18th birthday, as I had no credit rating and was looking to build one up.
The only company I approached who would accept me was Capital One, great, thought I, I'll use the card a couple of times and pay the bill over a period of time, thus earning a good credit score.
The card came through, I activated it and used it, but on my first statement noted that payment protectioninsurance had been added without my consent or knowledge. I let this go however as I had been considering it anyway, just in case the worse should happen. Unfortunately, it did. I had an accident and was laid up in hospital for a few months. Not a great situation to be in, but at least I was safe in the knowledge that I wouldn't incur late payment fees or such like as my parents had notified Capital One of my situation. You can understand my displeasure then, when my next statement had a £25 late payment fee, which took me over my card limit and caused me to incur an overlimit fee also. When I finally got out of hospital, I phoned Capital One, who were very sympathetic, but told me it was basically tough. It was only after several letters and further phone calls to various managers, that I received an apology from Capital One saying the fees were due to an administration error, and that my credit rating would not be adversely affected.
Needless to say, I have since closed my account.
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I was with Capital One for a short time - can't remember why I cancelled. Jane x
Leni_84 11.09.2005 00:17
Hmmm, not a good experience. That's not the first negative report I've heard about Capital One - one of my friends was with them and switched because of all the probs she had.
L0BSTER_QUADRILLE 01.09.2005 22:53
I wish there was a way to 'get' people like this. They are too big though.
Jan 23rd, 2003
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