Capital One - Platinum Visa Reviews

I have been a Capital One card member for over 8 years. During this time period my bill has been paid on time each billing cycyle however when I request a lower interest rate I have been repeatedly told "you are at the best possible rate available, I suggest you call back in a few months". After going through this cycle repeatedly for several years I have yet to see any changes. My credit is in good standing yet a 19.99% interest rate is "the best possible rate" I find this very hard to believe.

There have been several other times I have had to communicate with customer service and each...

I've had horrible experiences with Capital One and I know multiple people that have as well.  I've had a credit card from Capital One for over two years and I haven't even used my card in months.  I was late on a payment twice, once was only by one day.  They sent me a letter saying they were going to issue me an annual fee unless I cancel my card and they raised my interest rate.  I always pay more than my minimum payment and my balance is right around $100.  I think it's just ridiculous that they don't work with you more.  My boyfriend has had more problems with Capital One than I have. ...

Every time I make a charge on my capital one credit card my account gets restricted. They think that every time I make a charge that it's fraud. I can't tell you how many times I've been on the phone with them, trying to understand them, fixing my account. I am so sick of it and plan on canceling the card as soon as I pay it off. I had the same problem with the debit card until they got rid of the debit service. I never had a problem with the credit card until now. I guess they had to transfer it somewhere.

This is about CapitalOne Bank Visa and Mastercard

Over the years, my husband and I accumulated 4 CapitalOne Visa and 1 CapitalOne Mastercard.  I am  going to tell about the experiance I have had with my  cards issued by CapitalOne Bank.  I got a letter in the mail telling me I had been pre-approved for a Platinum Visa. Just call the 800 number and I did.  A few weeks later I had  my very own Visa card with a $500 limit. The interest rate was 9.99 percent. Just about every month I was getting letters telling me I had been pre-approved for another credit card even though I had just gotten...

The Capital One Visa Platinum business card is a great card to own.  For one it covers all your business needs.  The customer service for this card is great, and Capital One overall has a great company.  A few times when I sent my payment in late they didn't charge me any late fees or service charges.  If I ever had a complaint about a certain issue they always worked in my favor and fixed there problem according to what I said.  I have had experience with a lot of companies that were one sided and did not want to take back certain late charges or fees but Capital One always took care of the...

In reviewing several cards that I had a balance on and was working to pay off I was surprised to see that Capital One was the only card that didn't raise their rates and increase their payment amounts during the changing economy.   

I had a few cards that I had been using for years that suddenly spiked the rates for no other reason that I can determine other than the economy.    I had cards with 9% rates suddenly change to 23.9%.   I had always made my payments on time and had been with some of these major credit card companies for five to ten years.   My plan is to pay off all cards...

I've owned the Capital One Platinum Visa since 2004, starting out with a very low credit limit and though my credit numbers have increased greatly since then, not once have they ever increased my limit. The interest is significantly lower than my other cards, but the overage charges are outrageous. $40 if I'm so much as .01 over the limit. And there's absolutely no notification when you cross that line. Other cards just cut you off when you reach that line, but this one will let you continue and notch up fees in the process.

While I appreciate Capital One for taking a chance on me and giving me...

Capital one is a credit card i would not suggest to open uless there are no other options available. I have been their customer for more than three years, always paying on time and never going over the credit limit. Out of the blue they have raised my APR from 8 percent to 17 a couple of months ago. They have justified their actions as an unfortunate but necessary measures . I do understand many credit card companies are raising APR's now due to hard economic times, however not more than double! It is a rip off! 

I have an account with bank of america, american express, chase and city...

Sometime after my 19th birhtday knowing I had a good credit score for my age group I decided to apply for the Capital One Platinum Visa card after receiving a few offers in the mail. Starting off my credit limit was $300 and I decided I would save the card primarily for emergencies. In my short time spent with Capital One I had nothing but problems. I found out shortly after getting the card that getting a limit increase was very rare with their company no matter how long you are with them and how often you pay. I had credit protection yet the minute I lost my job it seemed that the money I had...

I'm so disappointed with my Capital One credit card.  While I know that more and more banks are trying to recuperate money by messing with their credit cards, Capital One decided to raise my rates for no reason.

Even though I had a credit card with a lower interest rate, I had stuck with my Capital One card as it had always been a good and reliable credit rate.  I used it as my everyday card, but paid it off every month until recently.  Do to some medical bills and a little travel, I had accumulated a couple thousand dollars in debt.  While I continued to pay more than the minimum payment...