Capital One Platinum

...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 ...
...see anything obvious write to Capital One's "Appeals department" at the address on the letter head. Knowing that I wasn't on the electorial register I wrote back with proof of identity and my address, including proof that I had been living there a number of years. Within a week, I received back my proof of identity with a compliments slip. I waited a further week and phoned Capital one, to enquire about progress of the appeal. I was advised that ...

kryptic 10.02.2002 · Read full review
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Review of Capital One Platinum

...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% ...
...Throughout the application process Capital One was very helpful, they would call to confirm details and send letters informing you of what is happening at every step of the way. Not always you get such good service from credit card companies is it! Once the card arrived, which was via secure delivery with a courier and not just in the post like some cards arrived. The courier would have to see I.D before he would be allowed to give me the card and ...

Andy0304 15.09.2004 · Read full review
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Review of Capital One Platinum

...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, household income, ...
...any credit card issued by Capital One you will not be allowed another. And if you close an account in favour of another one of their cards, there is no guarantee you will get it, whatever happened to customer loyalty and relationship marketing? INTEREST RATES & BALANCE TRANSFERS This company are joining the bandwagon of 0% interest on purchases for the first six months, absolutely fatal, as the temptation can be to spend, spend, spend, well if ...

sue.51 18.08.2001 (23.08.2003) · Read full review
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Review of Capital One Platinum

...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 the ...
...salary to my bills to my preference about toilet cleaning brands (well maybe not that far but you get the picture). Now I don't know much about interest rates, I just figure they go along with owning a credit card, but apparently 18.9% on cash advance is decent and the .05% a day on purchases is quite good as well. To tell the truth, I am actually quite good about paying off my bills so it doesn't come into play with me, but for those who have weaknesses, ...

NoLogoGirl 27.06.2002 · Read full review
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Review of Capital One Platinum

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. ...
...card offers which charged an staggering interest rate of 20-30%. Also, in such circumstances, their customer service department is less than interested to let you present other evidence to support your credit status. Nevertheless, they are one of the few provider that offers cash back and low APR and a 0% introductory rate. However, as being complained on BBC watchdog, some customers have been receiving the statements later and later so that they ...

casper77 28.03.2001 · Read full review
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Review of Capital One Platinum

...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 player walkman thing if I transferred over £1000 onto the card along with the application form. I promptly received my credit card, telephoned the 0800 number to activate it and ...
...I'm very happy with my Capital One card. They don't send much junk mail or leaflets out with the statements (another small feature I like!) and even if I did end up paying interest after the 0% period ends, it's fairly regular just like all the others so no great problem. I've also never had to contact the customer service, which I think is a good thing. Fair enough, it means I've never found out what they're like when I'm not happy with something, ...

Andrew.Self 28.09.2001 · Read full review
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Review of Capital One Platinum

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 also paying an annual fee for the privilege of having the card. The world of banking is now moving very fast with the advances in the net, advertising, ...
...money is dead money. Capital One was at that time the card for me. I wasn't going to clear my account in six months and saw no reason to be drawn to the outstanding low finance offers for six months. A word to the wise here, you are likely to only be offered a very low credit limit on one of these accounts. Capital One offered a 10.9% APR with an immediate credit limit of £2500. The service I have received has been excellent. Access to your account ...

Rubber 21.10.2001 · Read full review
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Review of Capital One Platinum

...local clothing store but her Capital One Platinum credit card was retained as having been reported lost. She ascertained that Capital One had accepted a telephone call from a person representing herself as my wife, who had stated the card had been lost and that she had changed her address. On the basis of that call, a new credit card was issued to the newly advised and registered address and this was followed by a separate letter advising that person ...
...before they could present it. Capital One have since advised my wife they require payment of £1,800 plus £15 handling charge although they are aware of the circumstances. This information was only elicited from the credit card company due to her insistence. When she made a police report she was told that they could not act without the details being provided by the credit card company and she signed an authority on 29th September which was sent to ...

Barry123 21.10.2001 · Read full review
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Review of Capital One Platinum

...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 supply. Capital One have this fabby new fraud detection system, which apparently is why their fraud rates are only around 4% when the industry average is about 9%. I've never really worried much about fraud on my card - that is until my dad's house was broken into two weeks ago. Whilst he was on holiday someone broke into ...
...is that within 24 hours Capital One had picked up on unusual use of his card. Yet, he was happily in the Lake District, unaware of his problem. It hadn't been reported to the police, or Capital One. Whilst he was walking the dales they'd cancelled his card and were trying to get in touch with him. Wow - they knew something was up even without anyone telling them. So, are these guys genius's or what? How do they do it? ------------------ Apparently ...

monstermuncher 21.08.2002 · Read full review
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Review of Capital One Platinum

...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 authorised to open the account [rather than the telesales person] the rate jumped 1% to 5.9%. The account was duly opened I transfered a balance over and all seemed well, until I got the first statement - the interest figure ...
...There followed a long sequence of letters and phone calls to their customer services [misnomer] and without going into all the boring detail they were unable to run an account with the rate set at that which they had offered me. The solution was for them to make an interest refund every month. This was missed about 1 in 3 months until I finally gave up and closed the account. What really concerns me is that if I hadn't double checked the rate and ...

Pitva 27.05.2001 · Read full review
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Review of Capital One Platinum

...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. ...

mfcomputers 24.10.2006 · Read full review
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Review of Capital One Platinum

...am meant to be, the Capital One Credit Card. Capital One are one of the new American entrants to the UK credit card market and one of the most successful. The Capital One Platinum card has no unique features or benefits and doesn’t offer any loyalty schemes. However, if you are not the type to clear your balance every month and all the matters is price, you will not find a cheaper credit card on the market today. The Capital One platinum Credit ...
...you make. They also offer a lifetime balance transfer rate of 6.9% APR. As if that were not enough their standard APR is just 11.5%. You can apply online and manage your account online and they also have 24hr telephone support. the following information i got from a site, to make you understand the ins and outs, that is if you understand it. Introductory Balance Transfers 6.9% Monthly Rate 0.48% Period Lifetime of Balance Introductory Purchases ...

mentalmickey100 09.05.2003 · Read full review
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Review of Capital One Platinum

...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 there own card! Very appealing I must say, if they actually meant what they said. So do they hold up to there fancy promises? I applied for a capital One Platinum card a few months ago, just to see if it was that simple. The application did not require any ...
...your name and address and your e-mail address. It also asks if you would like payment protection. I filled this simple form out and sent it away, within ten days I received a letter congratulating me, but they needed a utility bill to prove I lived at my address. So I posted my electricity bill, within 5 days I had my agreement to sign with the promise of "After we receive your signed agreement your card will be with you within days". Bearing in ...

gazman71 12.10.2001 · Read full review
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Review of Capital One Platinum

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% which I found reasonable. One month I checked my statement and saw that the amount of interest I had been charged had rocketed. I thought it had to be a mistake ...
...chart. At the time Capital One were advertising the same card on TV with a rate of 10.7%. I asked how they could possibly believe that they were "competitive" if they weren't even competing with themselves. I kept getting the same useless response. I told them I was closing my account and was informed that it would be unwise to do so and that I should hang on because I was soon to be getting a "special deal" although he wouldn't specify what and ...

steve6690 20.10.2004 · Read full review
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Review of Capital One Platinum

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 credit limit. At first I was very pleased with my card. Then by accident I was just a few days late sending my payment. I could not believe my next statement. ...
...of the due date there's no penalty. So it's probably best to shop around before committing. I feel that although the Capital One card comes in handy (sometimes), more often than not I wish I had never applied. This is my first opinion, hope its OK. kimberleysoper ...

kimberleysoper 15.10.2002 · Read full review
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Review of Capital One Platinum