... I carefully reviewed all of Capital One's customer aggreements, privacy statements, disclosure info., and all other card information. When I received my first bill, I saw that I was slapped with a $60(US) membership fee. No where did I can anything about the membership fee in any documents ... Read review
...I carefully reviewed all of Capital One's customer aggreements, privacy statements, disclosure info., and all other card information. When I received my first bill, I saw that I was slapped with a $60(US) membership fee. No where did I can anything about the membership fee in any documents that I researched or received from Capital One. In fact, my application lists the following: "Annual Membership Fee: none." I recommend that Capital ... more
I hand picked this credit card after reviewing over 10 different products throughout various companies. I carefully reviewed all of Capital One's customer aggreements, privacy statements, disclosure info., and all other card information. When I received my first bill, I saw that I was slapped with a $60(US) membership fee. No where did I can anything about the membership fee in any documents that I researched or received from Capital One. In fact, my application lists the following: "Annual Membership Fee: none." I recommend that Capital One should quit deceiving their customers or they may be facing legal trouble from other customers in the future. Make sure to read all the aggreements, which I did, and call them and ask them personally if their is any fine print in regards to the product. I am cancelling my card ASAP.
Advantages: Good if you can't get credit Disadvantages: If you have good credit, it's a waste of time.
I got a lovely letter through the post offering me a GoldCapitalOneCard. I read it and looked it very good, so I signed the form, sent it back and a week later I got a Premier Card from CapitalOne with a massive limit of £200. Considering that I have a $25,000 limit on my American Express and this was not the card they offered me, I phoned them. I was told that my Credit Rating had shown that this was the suitable card for me.
So I wrote to Experian and Equifax and they both told me that this was not down to them. They merely provide a score and it is the company themselves who decide. They also offered me my credit history if I paid them £2. £2 for data on myself, for which I can get in America for free.
Capital advertise a range of cards and this is their lowest. I haven't had it long enough to know how good it wil be but ...
No credit history? Bad credit? Self employed? Can't get a credit card? You probably can with CapitalOne!
'Aha!' I hear you cry. 'There are other companies that provide credit cards for people with difficult credit histories, so what makes CapitalOne so special?'
1) An easy application process: You can log on to CapitalOnes website and complete the application online in a matter of minutes. At the end you get an immediate decision. The form is easy to fill in, you are guided every step of the way and best of all you aren't made to feel like a second class citizen just because you have had financial difficulties in the past.
2) Cool design: How many times have you been at a shop checkout and the person in front of you pulls out a shiny gold or silver credit card that looks very flashy? You might think posing #*#~, but deep ...
