Capital One Classic Mastercard

I chose the Capital One credit card when I needed to get a credit card quickly to pay for my work expenses. I’d managed to avoid getting a credit card when at university but was forced into getting a credit card when I started my job as my work travel company wouldn’t accept switch. And so I was faced with deciding between the hundreds of credit cards that are available. (Please ignore the two long paragraphs at the end of this review if you’re not ...
...And so I chose the Capital One card… *Application* Application for the card is entirely on-line. This was really handy. The decision was made there and then – I was accepted without any problems. None of the questions I was asked were too probing and the speed of decision led me to believe that they’re not too picky about who they give cards to. However, I was happy as my card arrived within the promised two weeks. One of the questions you are ...

chcouper 21.04.2007 · Read full review
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Review of Capital One Classic Mastercard

...card? You probably can with Capital One! 'Aha!' I hear you cry. 'There are other companies that provide credit cards for people with difficult credit histories, so what makes Capital One so special?' 1) An easy application process: You can log on to Capital Ones 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 ...
...The good news is that Capital One gives you a choice of modern trendy designs to choose from. So even though you haven't got a gold or platinum card you still get a product that is equally impressive and personal to your tastes. For example, I went for a card with a dragon, as I like mystical things and my wife chose a tiger as she loves wildlife. 3) Rewards for good behaviour: Certain other credit card companies will give you a card if you have ...

dave84822 21.05.2006 · Read full review
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Review of Capital One Classic Mastercard

...sparkling credit rating then a Capital One Classic Card may be for you. There are actually 2 options you can get - The Classic reviewed here or The Platinum which is for people with good credit records. You can apply online or in one of the many leaflets they drop into magazines these days. Applying online is relatively painless. It only took me 3 minutes to complete the form although at the end of my application the site hung and I wasn't sure that ...
...lightning strike and a plain Capital One version. The Classic (which I have) doesn't give you any introductory rate of 0% for purchases or balance transfers. You immediately have the full interest rate of 34.94%. The interest free period is a maximum of 54 days for purchases where the balance is paid in full every month. 0 days for balance transfers and cash. The minimum repayment is £5 or 5% of the outstanding balance. None of these rate are what ...

ultras67 02.12.2006 · Read full review
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Review of Capital One Classic Mastercard

...I applied for my Capital One Mastercard through the Mutual points website (a few points into my account there). This was a simple painless quick process. I needed my bank details to do this so its worth having them ready if you want to apply for a card on line. In a few days I recieved paperwork to sign and shortly afterwards my card and pin number arrived in seperate envelopes and I was ready to head off spending. As I have been doing a lot of ...
...travel insurance Details copied from Capital One website: Travel insurance policy for an unlimited number of private or business trips abroad, each trip being a maximum of 60 consecutive days, starting and ending in the Country of residence. Cover will only be active if at least 75% of the total cost of the transport and/or accommodation has been paid with the World Card. Reading through the policy it seems to be comparable with most standard ...

baeswoman 23.10.2007 · Read full review
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Review of Capital One Classic Mastercard

...brill - this is where Capital One came to the rescue. The hubby has no problem getting credit - but as for me - well they see me coming and run a mile - except for Capital One that is. They do a card especially for those with a duff credit history and they very kindly gave me a card all in my own name. Just on a side note did you know that how you handle your credit and pay your bills affects more than just your ability to get credit. Apparently ...
...ones to choose from. Capital One will allocate you a credit limit between £200 and £2,500 Monthly payments are a minimum of 5% of your outstanding balance or £5 which ever is higher - e.g. if you have £1000 outstanding you will have a monthly repayment of £50. ###HOW TO PAY### Capital One gives you a number of ways to pay your monthly bill. TELEPHONE BANKING Just contact your bank by telephone and give them the relevant details about your Capital ...

freaklikeme 01.06.2004 (02.06.2004) · Read full review
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Review of Capital One Classic Mastercard

Capital One…….Be Careful To Pay On Time.. I have a credit card with Capital One and when I clear it I will cut the card up and throw the pieces in the air. I will explain! I took the card out about two years ago. The leaflet dropped through my letterbox telling me how wonderful it would be to have a Capital One card in my pocket, how cool and great this card would make me. So me being a fool at the instant offer of a bit of money applied ...
...I have to say that Capital One are not to fussy who they give credit cards to as most of my family have been offered one over the last year. And the fact that they gave me one right away proved that they give one to anyone!! So card in my hand, being a bit skint and Christmas coming I am tempted to spend a bit of this money that isn’t mine. So you see I do spend money, I just don’t spend my own. And you got it in one, I spent the whole ...

art1954 22.09.2001 · Read full review
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Review of Capital One Classic Mastercard

...though. This is where Capital One steps in. They recognise the second chance and the opportunity to rebuuild your credit rating. They have a simple application form, which is also short, and a choice of designs, ranging from lightning, to smarties, and have a guaranteed acceptance claim. And they appear to do this, without risking irresponsible lending - as they give you a very minor credit limit, but still an opportunity to repair that credit ...
...off my balance in full each month - this avoids the 29.9% APR, meaning I get interest free. The APR is very high, but with the minor limit you can pay in full to avoid. The APR is clearly advertised though in the advert I saw, and the literature they sent me, so there are no headline grabbing typical APRs which no-one qualifies for. There is noloyalty scheme either, but that is not really an issue to me. There are other charges, such as late payment ...

pmcg01 23.02.2005 · Read full review
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Review of Capital One Classic Mastercard

I applied for a Capital One card for probably the same reason as a lot of other people, I was not left with a great deal of options...... I had a bad relationship which broke down and left me with a vast amount of debt which I am still paying off. This led to numerous defaults and behind payments. I applied to Capital One due to the fact that my current account I was left with only had a cash card availability. Having grown tired of endlessly borrowing ...
...saw Capital one as maybe the answer. Now even with my chequered credit history I was accepted, obviously I was very pleased about this, but later I recieved a letter asking for a £50 security deposit for my card. So by this point, I hadnt even recieved my card yet and was already £50 out of pocket. My card eventually arrived and I was informed of my limit £200. So really £150. Now the kind of things I wanted to buy on my card were things like presents, ...

whiterasta 18.04.2007 · Read full review
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Review of Capital One Classic Mastercard

...I saw a banner for capital one on the internet, & decided to apply. There were 2 reasons, the 6.9% APR on balance transfers for the life of the balance, and also the fact that I got a cute card with golden retrievers on it.... One plus point is their freephone help number. Compared to most credit card companies, with their 0870 numbers, this is a major plus point for me. Also, on the few occasions where I have had to contact customer services, the ...
...the whole, I do like capital one. Their rates are good, and they're a decent enough company compared to some. I know some people have had problems with them, but I'm happy enough. I would recommend them to anyone with outstanding balances who want a lower rate... *UPDATE* I have attempted to get rid of this card, & am still being charged interest, dispite paying off what was the full balance last month! I have never experienced this with any other ...

fuzzibear 24.05.2004 (12.07.2004) · Read full review
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Review of Capital One Classic Mastercard

I applied for a Capital One credit card about 2 years ago after my bank turned me down because I had never had credit before. This annoyed me a lot as to build up a credit record you have to get credit with someone but most places don't like to take a risk on young people. I was 19 at the time so when I received a leaflet from Capital One I thought to myself why not. I applied and was given a credit card. I though this was great because even though ...
...monthly repayments from this. Capital one are good for young people who want to get credit however you need to be able to look after your money well to avoid building up a big debt. I am grateful to Capital one for having faith in me however that is no reason to stay loyal to them. It pays to keep transferring the balance aroung to different cards. It is quite easy to make repayments however you cannot pay over the phone which seems stupid in this ...

beckett110 07.06.2004 · Read full review
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Review of Capital One Classic Mastercard

...saw an ad online from Capital One saying that anyone was guaranteed to get a card if they applied online. The way they did this was by saying that either you would have a very low credit limit or for the people with the really bad credit history you would have to send them a cheque which they would then sit on all the time your card was active and if you failed to make a payment then that cheque was theirs. (A kind of security for your debt) They ...
...came back I found my Capital One bill saying that payment was due in 2 days time, but that every single method of payment they would accept would take 5 days to hit my account!! I phoned them up to ask why they would not accept a debit card payment over the phone and got thru to a call centre in India where they speak terrible English and was told that this method of payment was not accepted by Capital One. So even though I was trying to pay them ...

SteveDunstable 15.06.2005 · Read full review
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Review of Capital One Classic Mastercard

capital one is a great beginners card, as a first credit card i would recomend this strongly. It is realy easy to apply for a card, either on line, over the phone or by post. I did mine over the phone and got an instant decision despit never having had anything on credit before so they had no credit record to compare it to. My card arrived within 7 day and my pin was not far behind. You get to choose from lots of wonderful designed credit cards ...
...yours. They set your limit quite low to start off with but gradually increase this with time if you are a good customer. There interest rates are reasonable and they have lots of offers like 12 months interest free balance transfers which is realy worth taking advantage of. My only gripe with these is that customer services is poor, not for what they offer but it is a foreign call center so i struggle to understand the person on the other end ...

danniell 09.05.2008 · Read full review
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Review of Capital One Classic Mastercard

What do you need from a Credit Card account? Well, for me the most important thing is easy access to, and management of, my money. Secondly, good service – the ability to swiftly get the answers I need and problems solved without a fuss. the interest rate on a current account is less important. For the last five years, I have found my banking needs to be adequately serviced using for my current account and Egg for savings. It is no coincidence that ...
...are part of the huge American based Corporation. When they first started to market banking services to the UK, they were seen as something of a premium banking service. Accordingly, you had to earn a minimum of become a customer. Their current account interest rates were attractive paying over 4% at one time. However, things have changed. As they have grown their market share, they have also become a little more mainstream. The minimum salary requirement ...

AIK786 07.04.2003 · Read full review
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Review of Capital One Classic Mastercard

...ago I applied for a Capital One Classic Mastercard. The application form was basically easy rnough, simply competing your name, address and income. I was approved in a matter of days and given a credit limit of £200 as i did not previously have any credit history. The APR is 29.9% which is absolutley ridiculous given some of the low rate offers on the market, but when someone actually said that I could have a credit card despite my lack of credit ...
...have increased my credit limit on several occasions and it is now at £1,200. However the APR still remains the same. I have telephoned and written to them on repeatedly and asked them if there is any way that they can reduce the interest rate, but always get the same answer, "there are currently no offers available to reduce your interest rate". I intend to transfer my balance shortly to a card with a more suitable interest rate, but obviously you ...

hewittc 24.11.2005 · Read full review
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Review of Capital One Classic Mastercard

ive never in all my life had so little problem getting a credit card- its as if this little plastic miracle was designed just for me and my abismal credit rating! Lets face it - we've all gone a bit credit crazy in our wild youth ( and some of our wild second youth!) whether its been overdrafts , catalogue addiction, store cards or the dreaded L word - no not love thats the other one - im talking about LOANS - oh yes they can get you a goodun but ...
...not being able to pay do you?Suddenly the years have flitted away and you realise that your folly has landed you in a bit of a mess. No credit giving company will touch you with a barge pole because of your history . No matter how rosy your circumstances are now the past is destroying any shred of confidence you had of getting a home, a car even a mobile phone -It seems like everything worth having these days is dependant on credit. But here is where ...

athenababy 13.09.2004 · Read full review
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Review of Capital One Classic Mastercard