No good for internet purchases
Advantages Good introductory rates
Disadvantages Most internet transactions get declined
Detailed Rating
| Competitiveness of APR | |
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| Product package | |
| Quality of Customer Service | |
| Reward Scheme | |
| Additional Charges | |
| Security and Privacy | |
| Ease of Application |
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 declined. There's no problem with retail purchases, only internet.I'm told by Capital One that this is due to their points scoring system, and basically it can decline anything if it's internet based! Even when customer services told me they'd over-ridden it for one purchase, it was still declined! The retailer in question stated that if a transaction was declined, it was usually a Capital-One card.
Don't bother if you want to use for internet purchases.
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Good advice for those looking for a card just for internet buys.