Capital One Bank Circle Mastercard

...Having checked extensively on Capital One's website, I can't see that they do two Circle Mastercards - and the one I've got - Circle Rebate - offers 1% cashback on all purchase transactions. I'm a reasonably high earner and have a good credit record, and nearly always pay off my card bills in full at the end of the month. I decided last year to look for a cashback card which I could use for everyday purchases in place of my debit card, and got an ...
...so when I found that Capital One did a Mastercard with the same basic deal I was interested. The interest rate isn't competitive - but I don't pay interest due to paying off the balance. The credit limit I received was perfectly adequate - but Capital One don't advertise this as a 'first time' card or for those with below average credit scores - the whole point of this card to me is the cashback scheme. By the time my wife and I have paid £1400 ...

anthonylees 29.04.2003 (18.08.2004) · Read full review
Ciao members have rated this review on average: very helpful
Review of Capital One Bank Circle Mastercard

...£400 limit and then the Capital One Mastercard, this arrived with a very disappointing in comparison 29.9% APR and only a £200 limit. I don't have any CCJ's nor am i blacklisted. I have used both cards and recently had my Barclaycard credit limit increase to more than double what it was when i got it last May, the Capital One card has recieved no such increase and no reduction in the APR. I have never paid late, but should i do so there is a hefty ...
...but the services offered by Capital One are unbeatable. As well as having an online banking facility where you can pay your monthly statement, transfer balances and check your transactions there is a freephone automated service where you can do exactly the same. Most of the other providers who let you check your transactions over the phone will charge you at National rate for the privilage. From this 0800 number you can also get through to a 'human' ...

RPalmer83 28.01.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

...thought I would write about Capital One as a company and the benefits I have found from being with them. Firtsly I would like to say well done! I mean being stuck in a queue for hours on end talking to a person who speaks with the same dull tone and repeats herself continuously is not my cup of tea and sadly you get that now-a-days. We are living the automated era, where people cannot be bothered to speak to people. Instead we talk to machines who ...
...of technology I came accross Capital One whom accepted me and took me under their wing enabling my credit score to soar higher than expected and giving me peace of mind. Capital One are a wonderful company. Everytime I telephone I get to speak to a well spoken friendly person who has more than 2 seconds to help you. They are proactive and assist you in every way possible. Whenever I have asked for anything to be done it is instantaneous. Once I ...

leannerobotham 26.04.2004 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

...seen adverts for this the Capital One Master card every where. Deciding on applying for one was easy as it would only be used in emergency! I applied and opted for the payment protection plan as well. Interest is 2.248% a month so it is a nice little earner for the Bank. My limit started at £200 but has been steadily rising since then. I did not have any CCJ when I applied. 5% of the balance has to be paid off every month on £900 that is £45. If ...
...and the services offered by Capital One are unbeatable. As well as having online banking facility at www.capitalone.co.uk where you can pay your monthly statement, transfer balances and check your transactions there is also a free phone automated service where you can do exactly the same. Most of the other providers whom let you check your transactions over the phone will charge you at the national rate for this very 'privilege'. From this 0800 952 ...

jonkelly 14.06.2006 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

I signed up to this card because I myself was advertising the cards on my site. It was the first credit card i had applied for and didn't realise how difficult it could be at my age to get one. They signed me up with no problems at all and i was sent my personally designed card within a week. I had £1000 credit limit (whether this was a good thing or not i'm not sure). The first 6 months were interest free and worked out really good value. I only ...
...using the card. I pay the bill by internet banking and it is very easy, with payments being processed within a couple of days of being sent. Their internet site is easy to use with full statement information on the site. Unfortunately due to a holiday i was late on one of my payments and it was then i found out the charges for late payments but i would suspect this would be the same for all cards. Their interest rate is 1.66% for me on purchases ...

lewis7654321 28.11.2002 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

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 protection insurance had been ...
...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 ...

DarkDave 23.01.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

...have only recently received my Capital One card so I am hoping it will work out the way I have planned. I would normally apply for a card just to get the introductory low rates then not use it for buying but for balance transfers only. They kept sending me flyers saying I had been preselected to apply for their card and how simple it would be to get one. However the small print said the APR they were prepared to offer was in the region of 30% so ...
...more and more annoyed with the ads on T.V. that promoted this cheap interest rate card when it clearly wasn't by the flyers I was sent! Then they sent me a flyer that said I would be offered a lot lower rate and was I interested? I sent off the application and received a letter to say they couldn't offer me what they originally thought but if I would accept it they would offer me a rate of 0% interest for first 6 months and then a long term rate ...

smileybabe 22.01.2004 (18.02.2004) · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

Get credit cards for a reason. If you want one with a low APR, get one of them. If you want one with a low balance transfer rate, get one of them. If however you want to spend and spand & get paid for the priviledge, then this is the king of cash back cards. Very very very few cards offer a rate of 1% cashback with no minimum spend limit- in fact I have only seen the American Express card doing this currently. So you don't have to spend £3000 or ...
...That's excellent! You can apply online- in the past they have been a bit fussy (been turned down for no reason at all really!) and a few months on I re-applied and they accepted me. Hurrah! Nice automated service too- very sophisticated. Never heard of one that lets you confirm receipt of your card via one of these! And you can sign up for an online account so easily. No hassle. Just go to their site. And it's a pretty little card too.. and robust! ...

bexbex 17.04.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

...offers through the post from Capital One before I considered getting one of these cards, it seemed the selling point of the cards was based more on the design on the front, rather than the interest rates and what the card could actually offer you. I finally decided that I would try one when I was introduced to the 6 months interest free credit option! So I logged onto their website and applied for one, and in not less than a week my card had arrived, ...
...know if you do come across any problems with the card. I know a few friends of mine who have also applied for the Capital One MasterCard and have had no problems with it. I would recommend it to anybody who asked my opinion on it. ...

persilgirl 07.11.2002 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

Why would you choose this product? You have low credit worthiness or have no credit history but need to obtain credit. You want an attractive looking card What’s the deal? For people with low credit ratings and the need to obtain credit this company will almost never turn down an application. The APR is really high for this card at over 25% however; if you repay what you borrow before the 56-day interest free period the interest is of no importance. ...
...initially offer a limit of around £200 to avoid getting into too much debt. The minimum payment each month is £5 and should be paid on time to avoid any late payment penalties Other information Only sign up for this card if you are absolutely desperate! The interest and other fees added to your account can quickly mount up leaving your financial situation at a point of terminal illness. If you are thrifty with credit though, you will have no problems ...

esscstri 14.03.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

Applied for CapitalOne Platinum card over three years ago, and was sent a card (Platinum!) with £200 credit limit !!! What use is that. Despite repeated requests, they have never offered me an increase, despite the fact that I have a 1st class credit record. (I now have Plat Amex, and Plat Barclaycard) They say that part of the reason is that I don't use my card enough - how can I ?? A weekly shop at Sainsburys and a tank of petrol would exceed my limit. The call centres are mainly offshore (India I think) and just read from scripts. Only use this if you have no other option. ...

Geoff0506 01.02.2008 (22.01.2008)
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

...met all of these, the Capital One card. The 1% cash back is a long term commitment, not just a 6 month fad. The customer service is A1, the telephone number to ring is even Freephone, and answered immediately! I've set up payment by direct debit, so I won't miss it and get charged. Their replies to their online messaging system are fast as well, next day for both of my questions. And I applied for my card on-line, a doddle! The only downside is ...

rhudson1 10.07.2003 · Read full review
Ciao members have rated this review on average: helpful
Review of Capital One Bank Circle Mastercard

After reading the reviews and seeing that this card was recommended by which I thought I'd give it a try. I tried calling them one morning, spend over 20 mins listening to some hold music before giving up. I tried the following day in the afternoon and after about 25 mins was put through to someone to speak to about this card. All seemed to be going fine, I met the criteria and was told I should get a call back in the next 2-3 days. It's now been ...
...new business it seems to me that the customer service they will give once I'm signed up will be equally bad (I certainly don't want to wait half an hour to speak to someone). I'll stick with by Barclaycard, I may pay through the nose but their customer service is excellent and they answer the phone in less than a minute always. ...

RahimC 25.01.2004 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Capital One Bank Circle Mastercard

Capital one is supposed to be the best bank to go to for a credit card if you have bad credit history, CCJ'S etc. They offer credit cards which help rebuild your credit file. Offering a wide range of credit cards with various different plans and options in many colourful designs. The only problem is they lie and if you have adverse credit and ccj's you can not get one. What is the point ? The point is this attracts other people with good credit ...
...I applied for a capital one classic card and got turned down on numerous occasions yet my partner got offered one with the same circumstances got one but did not know until he had statement . when he called them to queery they said he had not been accepted for a card but recieved a statement. They are a firm i will not recommend. Who knows what they do with your money........ ...

mikeb18176 19.09.2002 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Capital One Bank Circle Mastercard

...as well try. Why choose Capital One? They sent me a letter asking if I fancied one, I filled in the form and hey presto 8 days later the card arrived. I was delighted with the speed of delivery although a little surprised with the low credit limit I had been given. Thinking about it though as I have never had a card, I suppose the company had little to base my credit worthiness on. Well I activated the card as requested in the accompanying booklet ...

sunor 22.10.2002 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Capital One Bank Circle Mastercard