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Reviews - Capital One Premier

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Super

“What's in your wallet?”

published 17/09/2003

On line application. Good web site.

No 0% of transfers

As I was browsing about the home page looking for a suitable product to review I came across the credit card section. One of my first ops was on Egg and since then I have acquired another. I know some of you may be saying, why 2 cards, well actually I have 3 but that’s another story. I no longer...

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Super

The only card that help one rebuilt credit

Very high APR

As many other members have mentioned, Capital One Premier is a good card for people who have no credit history and wish to get a credit card so that their credit performance can be properly recorded. I will keep it brief here due to limited space and for ease of update reason. http://www.mycoupon...

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Good

“PAYING THROUGH THE NOSE”

published 30/01/2002

it's a credit card which lets you get back on the ...

expensive, high interest rates, big fees

There are two types of basic credit card in the financial marketrplace. Type A – Low interest rate aimed at people who have a track record that they can be trusted. And then there are Type B Cards which are for people who have had financial problems in the past. I’m ignoring the Gold and Platinum...

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Super

“CAPITAL ONE PREMIER”

published 13/01/2002

improves your credit rating

high costs

As someone who has never needed to use a credit card until two years ago, I had never given much thought to applying for one until as a consequence of my job I have to travel a lot. I had always subscribed to the fact that if you didn't have enough money to pay for something then you couldn't...

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Not for me

Still thinking...

General incompetance of staff and poor product

Charged £72 for a day late in payment, how much was the payment for? £5! This statement sums up Capital One better than any other I can think of. I have always paid my credit cards on time due to the charges that you incur if you miss a payment. I have found Capital One to be extremely...

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Good

Credit card for those with previous problems

Extortionate APR

Firstly, Capital One are not perfect. The interest rate is exceptionally high (APR is 29.9%), they are quick to jump on late payers with enormous charges, and the credit limit, to start with, might as well be a few quid cadged from your Dad rather than a serious amount of credit with which to...

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Super

“Card improves as you improve”

published 30/04/2003

looks at applictions individually, internet option...

Can start with high APR

Lots of people in this country have had trouble obtaining a credit card at some point in their lives. This can be because of previous bad credit history, not being on the electoral register or simply because you have not had credit in the past and therefore do not have a history of paying...

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Good

it's a credit card primarily for those people that...

£18 annual fee and 29.9% interest rate

This is one of those credit cards that you see advertised for people who can't get one anywhere else. We have had several mailings come through the post from Capital One, for both of my sons who had rather shot themselves in the foot with injudicious use (to put it mildly) of their first credit...

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Super

Builds up Credit, No Annual Fee

Not very appealing card

I never really bothered to apply for credit cards because I never felt the need to use one as I was on a good wage and I never spent more than I could afford. I was also using a Pay As You Go mobile phone at the time and found that budget wise, I would save a lot more if I decided to go on a...

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Good

Useful for learning money discipline

Please see text

Background In today’s world where 90 percent of your buying power is linked to your credit history if you don’t have some sort of credit card your spending power is extremely limited. As a result I chose to apply for this card after American Express turned me down. To my pleasure I...

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Super

Good for rebuilding your credit rating

High charges and interest rate

You hear all this bad press about Capital One, but it provides a very good service. If you apply for the Capital One card it should be for only one reason, and that is to rebuild your credit. Capital One is probably the only major bank that actively encourages people with bad credit to apply...

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Super

“Capital One Comes Up Trumps”

published 11/09/2002

Can build a good credit rating

If upgrading from a classic card you get no additi...

One day about two years ago I received a mailshot from Capital One offering me a Classic Visa card for people with a poor credit rating. Unlike many other cards on the market at the time, Capital One were prepared to give people a second chance and build up a good credit rating, something that so...

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Super

Not many hidden charges, very responsible company

Higher interest rates

There are many people who have trouble getting credit. Some have been careless in the past and deserve their own troubles, however there are many people who have ‘bad credit’ through circumstances that they have no control over. Divorcees often are penalized for their spouse’s...

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Good

“CAPITAL ONE CREDIT CARD”

published 01/09/2001

They will give you a credit card if no one else wi...

Bad Customer service/Very high APR

The Capital One Credit Card is the only company that I could find who would give me one! A few of us in our younger days did a little bit of damage to out credit, Capital one has offered me a £200 credit limit, I have to pay £1.66 each month just to have the card and the APR is 29.7%! So unless...

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Satisfactory

“If only I had Known”

published 04/10/2002

Not a lot

Not straight with you

Firstly, let me explain. I am a mature student having decided on a career change at 36 and am studying Law at University. I am, however a “Homeowner” with mortgage etc, live with girlfriend (Co-owner – excellent credit history with never less than £1,000 credit balance) and we have an annual...

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