Capital One Credit Card


(Gavin) #1

Does anyone have a Capital One Credit Card if so how good are they


(Only available in amateur ) #2

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(Gavin) #3

I ment good lol


(Only available in amateur ) #4

I’ve got one. Good app and good customer service but very, very high APR, think mine’s 36.6%


(Gavin) #5

How does it work so if i but something and pay it back before its due do they still charge me


(Only available in amateur ) #6

No, you get 30 days interest free. Pay it off by then and there’s no charge. Can take 2 or 3 days to process card payments in app so just pay as early as possible


(Stuart) #7

You’ll only get high APR if your high risk.

Best card I’ve ever had is barclaycard


#8

I’ve got one too with 36.6% APR as well but I would highly recommend to shop around especially if you’re a low risk customer.

I am now with MBNA with 8.9% APR and I couldn’t be happier.


#9

What do you like about it compared to other credit cards?


(Stuart) #10

Highest limit, No nonsense visa, best online system. Just no nonsense or gimmicks.

Always offers showing for 0%


#11

Why?
I like Barclaycard because of transfer money/balance offers.
But my main credit card is with Tesco… 5%APR


(SimonL) #12

I have a capital one card same as other high interest rate of 30.34% and been stuck on a £200 credit limit even tho just got another card with a lower apr and a £1,000 credit limit


#13

It doesnt matter what the APR is if you pay it off each month. It depends on what your plans are for the use of the card.

I’m not keen on Capital One’s foreign based customer service. I had a CASS failure a couple of months ago and trying to explain to them why a Direct Debit failed was a total nightmare. It would have been a massive help if I had of been speaking to someone that was British or had experience of the British banking industry. I just kept getting hit with “Mr Brian, you’ve cancelled your payment” etc…

Im going to close my two cards with them at the earliest opportunity


(SimonL) #14

I’m going to close one of my cards but keep the other for emergencies so I have one on Visa and one on Mastercard


(Gavin) #15

Im gonna keep mine for emergencies aswell


(SimonL) #16

Just makes sense to have at least one card on each payment network just in case the other goes down at any time


(Gavin) #17

Yh i know what you mean and if i get caught short will be handy to have


#18

Capital One is a good basic card, not the best rates if you don’t pay off the balance, but an app that works, customer service is helpful, and they don’t hassle you if you have a problem, they are flexible, which is probably why they do so well.


(Dan) #19

I closed my Capital One card because they didn’t support Apple Pay. I recommend Barclaycard as an alternative.


(Allie) #20

I liked them in the US, where they offer some good products. Their cards here are terrible though. Why bother?

I can say, at least in the US, their customer service is good. But again, the cards here are totally pointless - with no benefits at all.