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Reviews - Capital One Platinum

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Excellent

“How Low Can They Go?”

published 15/09/2004

Interest Rate, No Fraud Liability, Choice of State...

Minimum payment of 3%

Over the past few years I have become one of those people who won’t stick to credit cards for very long, I like to switch between those that can get me a better offer time and time again. It can be a lot of hassle at times when it comes to the balance transfer and applying to new credit card...

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Excellent

“Capital One is a good thing”

published 28/09/2001

0% for first 6 months, also sensible credit limits...

The 6 months has to end sometime :-)

There's obviously mixed feelings in this area about Capital One. I've had no problems with the Capital One Platinum Card. They appealed to me to start with because of the 0% interest for the first six months, also because of the low rate on balance transfers. In fact, they offered me a free CD...

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Super

Introductory interest rate of 0%, free travel insu...

High interest rate on cash advances and transfers

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...

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Super

Low APR, 0% offer, cash back

May use high hand tactics to increase their profit...

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...

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Good

“NO HASSLE CARD WITH INTEREST”

published 18/08/2001

0% on purchases for 6 months

Hmph - they have raised their standard rate to 15....

From reading some of my ops in this subject area, you may guess that I like to surf - the credit card interest rates that is, being one of those naughty people who doesn't always clear my balance off monthly. I have often seen the Capital One Platinum Card advertised, but being the lazy sort...

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Super

“Put it on Plastic”

published 27/06/2002

Great Credit Limits

Don't Forget to pay the bill!

Wow, a credit card product. A big of a departure for me; away from the cares of food and toilettries. But then again, how do I pay for all of my tasty snacks and fragrant soaps? Plastic. The age old way to avoid actually handing over cold hard cash. Not that I ever have any of that anyway! But I...

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Excellent

“Check your APR”

published 21/10/2001

Good long term low interest rate

None

I have had a Capital one card for approximately three years and have found their Capital One Platinum Product very good. Back in 1998 I had accrued approximately £2000 in debt and was signed up to a Royal Bank of Scotland Mastercard. As well as paying approximately 20% in annual APR charges I was...

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Not for me

None

Many

This article was written on 15th October when the remarks as stated were factual. On the 27th September my wife attempted to purchase articles at her local clothing store but her Capital One Platinum credit card was retained as having been reported lost. She ascertained that Capital One had...

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Excellent

“Capital effort”

published 21/08/2002

Fantastic fraud protection

Easy to run up debts

Now, I'm sure that you all know about credit cards - the range of APRs, balance transfer offers and standing charges. However, what I'd like to discuss today is something that I've just learnt about Capital One - it's not specific to this one type of card, and it covers all of the products they...

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Not for me

Appears to be a good APR - initially

Incorrect rates set, very poor customer service, l...

Having previously worked for a bank and having tried a number of credit cards I found Capital One's Platinum card to be a very interesting experience. Firstly I was offered an introductory rate of 4.9%, fixed for the life of balance transfers when I eventually got a call back from someone...

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Good

Credit when you want it.

Interest rates, like everything else.

Well i have to say that in my opinion credit cards are really just about all the same. The whole idea of a credit card is to be able to buy things, on tap, and then pay for them within so many days, or over a period of which suits you, but the interest rates can be crippling, let me take my...

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Not for me

“Only fit for the Bin”

published 12/10/2001

you live and learn

a waste of peoples time

Well hello all here is my first go to writing an opinion. I have not been on recently due to a house move. Too much hard work! Capital One is Company, which has come from America. It offers people with a low credit score and previous defaults, the chance to improve their credit rating and receive...

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Satisfactory

Good introductory rates

Most internet transactions get declined

I like to buy from the internet, but I've had all sorts of problems with this card. Despite being within credit limit, never missing a payment, always using reputable sites, and entering all details correctly including address and signature strip data, internet transactions always seem to be...

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Not for me

None really

Inefficient and unreliable

I had the Capital One Platinum Card for quite some time and never had any real problems with them. I never missed a payment and they kept upping my limit until it reached £9500. I maintained a balance of around £7500 as I'd used the card to pay for double glazing and their rate was around 10%...

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Satisfactory

“Capital One - Be Careful”

published 15/10/2002

Easy Application

Costly if you are not careful.

Capital One are a very helful way of restoring your credit rating. There is a very easy application process which can either be done on-lineor by filling in a quick application form. After approx 10 days you receive your card with a credit limit relative to your status. In my case I had a £200...

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