Capital One - MasterCard

Capital One - MasterCard Reviews



Overall 3.5 star rating3.29 of 5 (by 24 users)




Capital One - MasterCard Review Summary

Need a credit card, but tired of getting turned down due to a questionable credit history? If so, then one credit card to consider is the Capital One MasterCard, a credit card that offers easy acceptance to most consumers. Reviewers like the introductory rate offered by Capital One MasterCard and they like that it can help them rebuild a damaged credit record. On the other hand, Capital One MasterCard has high fees and the interest rates can jump without warning. “It’s Not the Best, But It’s Not the Worst”, pretty much sums up the overall feelings toward this Credit Card from Capital One.
29% of people rated Capital One - MasterCard as 5 stars
29% of people rated Capital One - MasterCard as 5 stars%
29%
21% of people rated Capital One - MasterCard as 4 stars
21% of people rated Capital One - MasterCard as 4 stars%
21%
21% of people rated Capital One - MasterCard as 3 stars
21% of people rated Capital One - MasterCard as 3 stars%
21%
8% of people rated Capital One - MasterCard as 2 stars
8% of people rated Capital One - MasterCard as 2 stars%
8%
21% of people rated Capital One - MasterCard as 1 star
21% of people rated Capital One - MasterCard as 1 star%
21%
74% 74% of people recommend Capital One - MasterCard 26% of people don't recommend Capital One - MasterCard 26%

Capital One - MasterCard Comparison

5 star rating Most Helpful
Favorable Review
JUN
23
2008
I just received this card a few months ago. So far I really like this card. I like the low interest rate and the fact that you can pay your bill online, I also like that they will increase my credit limit in 3 months as long as I make my payments on time.
reviewer
Every day computer user

sag56
West Lawn, PA
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3 star rating Most Helpful
Critical Review
NOV
14
2008

Sadly...like many in this country now, I am a "victim" of divorce and later bankruptcy.  And I do use the word "victim" seriously.  

When no one else would even look at my credit application for a credit card, Capital One did.  Naturally, it's a rather low credit limit.  That's OK...I don't want...

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in debt, on a strict budget

OldHippie
Saint Louis, MO
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Capital One - MasterCard Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 13 of 24 sort by: most helpful | date | rating


2
helpful
votes
thrifty, not carrying a monthly balance

JUN
23
2008

If the truth be told, I rarely use my Capital One MasterCard any more and I easily clear the balances (for insurance premiums) every month but I will always owe them a great debt.  Years ago, when I was recovering from credit card problems which had almost swamped me and no one else would have taken a chance on me, Capital One stepped up to the plate and granted my application for a card.  It was some sort of charity card so that whatever rewards I earned were given to somebody else.  Although I appreciated my Capital One Master Card and used it responsibly and frequently at first, as time...

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3 star rating
AnnaBanana
Oak Park, IL



1
helpful
vote
not rich

NOV
14
2008

I don't have that much experience when it comes to credit cards.  I'm very wary when it comes to signing up for cards because, lets face it, one false move and there goes your credit!
Capital One Mastercard was my first card.  I had a few problems with the card, in particular the fee posting dates seemed to change whenever they felt like it.  I was assured that the dates didn't change by a member of customer service but, sure enough, month after month they would pick a different day to charge my account.  Another issue is the interest rate.  It was ridiculously high (in the mid twenties on...

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3 star rating
reviewer
jessicanicole
Peru, IN



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D
paying cash, Every day computer user

NOV
24
2008
Although many people may have good experiences with Capital One, unfortunately, I am not one of them. At some point, they declined to honor their promise to help fix any problems, and their customer service took a turn for the very worst. Allow me to explain. My grandma rented a car a few years ago using the Capital One MasterCard. The car was for my use, her grandson. The rental went fine. The problems happened seeral weeks after using the card. Capital One allowed a charge to appear on the card in my name, that neither of us authorized. We called, and they took care of the issue. About two months... review »
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1 star rating
RobAstor
Jackson, MI



D
online banker, expecting good, fair service, not rich, always looking for ways to save, I believe in honesty, appreciative of good service, Every day computer user

NOV
26
2007

This card was easy to get, but when I called to try to get a lower interest rate, they wouldn't budge.  I had 3 years of solid payments, none late, and they wouldn't budge.  Needless to say, I took my business elsewhere.

I had some car repairs where I had to use this card and that ran up my balance.  In trying to pay it off, I wanted to save as much money as possible.  What consumer isn't trying to save money.  I feel that good customer service is essential regardless of what business you're in.  When they wouldn't lower my interest rate (21.5%), I felt I had no choice but to take advantage...

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2 star rating
reviewer
clee2830
Clermont, FL



D
not rich

NOV
26
2007
I am rebuilding my credit, and decided to go ahead and take Capital One up on an offer they had sent. I got an introductory interest rate of 0% for 6 months; it was 9.9% thereafter. Not great, but not terrible. I had an issue with a charge on my bill, so I called customer service. Not to my surprise, their call center representatives are located in India. The person I spoke with was nice, although at times she was a bit difficult to understand. She actually made the problem worse by adding instead of subtracting the charge I was disputing on my bill. I called again and the issue was resolved.
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3 star rating
reviewer
GENXCHICK
Rochester, NY



D
always looking for ways to save, interest conscious, appreciative of good service

NOV
24
2007
I have a Capital One no-hassle platinum Mastercard. So far, it is the best credit card I have ever owned.  They have a wonderful introductory rate time period and a fair interest rate. I was a little late (7 days) on a payment during a move to another state. Although it was still the introductory rate, I fully expected to have my interest rate raised. They didn't raise it! I appreciated that very much!  If you haven't already gotten one and you are concidering getting a credit card, I would definitely recommend Capital One!
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5 star rating
reviewer
leahanno
Newport News, VA



D
in debt

FEB
16
2009
This was my very first credit card. I spent a little too much. Capital One is wonderful at working with me! The interest rate is low, and I'm almost debt free now. I've NEVER had a bad experience with any of their customer service representatives! They are all polite and very helpful. The only bad thing is that for the specific card I have, no points or rewards program is offered.
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5 star rating
reviewer
ashwaldrop
Chapel Hill, NC



D
free gift card rewards junkie, not rich

NOV
11
2007
I'm writing this, in the interests of honesty and full disclosure, as someone in debt. Capital one's credit hounds are the most vicious, and uncaring collectors ever unleashed on thouse of us who owe creditors money. They call throughout the day, even when told not to, they demand monies they know u cannot give back, and they are simply unreachable in human emotion
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1 star rating
reviewer
Phil16723
Flushing, NY



D
saving a little

SEP
2
2008
Capitol Ones Mastercard has worked very well for me. I've had it for over a year and have had no problems. I feel very secure using it online and am not worried about anyone getting a hold of my information. I have had no problem with customer service and the one time I've had to make a call i could understand the gentleman who quickly answered my question.
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4 star rating
reviewer
lukouise
Fond Du Lac, WI



D
free gift card rewards junkie, always looking for ways to save, not rich, pay my cc bill off each month, Responsible Honest Citizen

NOV
24
2007
I called an asked if I could have the anual fee removed,they said yes  and removed it.
They said I wouldn't be charged it anymore but I have to call every year and get it taken
off.
Also I use to have rewards on it,but they took those away without a warning so I
couldn't use they points I had earned.

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2 star rating
reviewer
crazygirl79
Shreveport, LA



D

DEC
15
2008
These turkeys (Capitol One), mail the statement late, approaching a week-end
then charge you for "late" fees, then add the "annual fee" as you approach limit and
ding you for "Over-limit" fees - A JOKE!  - Don't USE IT !!

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1 star rating
MacBoy
Goshen, OH



D
paying cash

OCT
19
2008

Capital One Mastercard is a great "starter" card, low credit limit can be raised with regular use and prompt payments. hard to get into trouble, but plenty of credit for college students or people that like to pay cash that need plastic.


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5 star rating
reviewer
OdysseyFan
Westminster, CO



D
not rich, always looking for ways to save, drive a lot, picky, I believe in honesty

NOV
24
2007
I'm not a writer here, so bare with me. My spelling sucks and I have no concept of paragraph or punctuation.  here goes.   I like capital one mastercard, because the gave me a second chance when no one else would. I thank them for that.
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5 star rating
reviewer
ambermw68
Rockford, IL



Reviews of Capital One - MasterCard

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