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.
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29% |
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21% |
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21% |
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8% |
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21% |
26%
Capital One - MasterCard Comparison
Most HelpfulFavorable Review
Most HelpfulCritical Review
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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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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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...
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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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.
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 !!
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.
