Capital One Platinum

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Wanting to restructure my finances (well more realistically my debts :-) ) I chose to apply for a Capital One Platinum VISA card. This was in its self an interesting experience, the application is done via phone, web or through the post form. Their website was having problems with performance ... Read review

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Community Level 1kryptic

kryptic

Painful application but trouble free usage

AdvantagesIntroductory interest rate of 0%, free travel insurance.

DisadvantagesHigh interest rate on cash advances and transfers

"...chose to apply for a Capital One Platinum VISA card. This was in its self an interesting experience, the application is done via phone, web or through the post form. Their website was having problems with performance issues, so I chose to use the phone to apply. I spoke to one of their call centre staff who took me through the usual questions: name, address, dob, employer, length of employment, etc. When all the information was passed to the person ..." Read review
10.02.2002

Ciao members have rated this review on average: very helpful

Community Level 5Andy0304

Andy0304

How Low Can They Go?

AdvantagesInterest Rate, No Fraud Liability, Choice of Statement Dates

DisadvantagesMinimum payment of 3%

"...door I came across the Capital One Platinum card. One which apparently has a very low interest rate that stays low permanently. I had my doubts to begin with but if that was the case as that sounded like too great an offer. It was at that point I decided to have a look on their website rather than just go ahead and apply as this would give me definite information. This clarified for me that it was 0% for the first 6 months on purchases and 3.9% ..." Read review
15.09.2004

Ciao members have rated this review on average: very helpful

NO HASSLE CARD WITH INTEREST

Advantages0% on purchases for 6 months

DisadvantagesHmph - they have raised their standard rate to 15.9%APR at a time when interest rates are falling, 0% on purchases for 6 months, Average balance transfer rate

"...monthly. I have often seen the Capital One Platinum Card advertised, but being the lazy sort, can't be doing with written application forms, gave it a wide berth, until I stumbled across an on-line application - (God these are dangerous) with an instant decision. THE APPLICATION PROCESS This was straight forward requiring the standard information such as name, address for the last three years, employer details, time with employer, my income, ..." Read review
18.08.2001

Ciao members have rated this review on average: very helpful

Community Level 5NoLogoGirl

NoLogoGirl

Put it on Plastic

AdvantagesGreat Credit Limits

DisadvantagesDon't Forget to pay the bill!

"...in shining armour -literally-, the Capital One Platinum card. Now usually I am the first to roll my eyes at junk mail, open it just because I like getting mail, and then put on the pile of junk that I keep meaning to throw out/look at again, but never do. But, when I am pre-approved for a great limit, don't have to pay interest until August when I sign up in April and get free insurance; how can I not look again! So, off I went, filling out ..." Read review
27.06.2002

Ciao members have rated this review on average: very helpful

Community Level 2casper77

casper77

Credit reference and high-hand tactics

AdvantagesLow APR, 0% offer, cash back

DisadvantagesMay use high hand tactics to increase their profits

"Capital one is the largest credit card issuer in the USA and is actively pursuing the UK market. One thing alarming according to BBC watchdog is that they are not a member of any UK Banking society and hence is not obliged to comply with any of these code of practise. During application, the information they collect for credit rating is not as complete as some other provides and hence may not actually reflect one's circumstances - which is unfair. ..." Read review
28.03.2001

Ciao members have rated this review on average: very helpful

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