Capital One - Platinum Mastercard

Capital One - Platinum Mastercard Reviews



Overall 3.5 star rating3.68 of 5 (by 41 users)



Capital One - Platinum Mastercard Review Summary

One of the best- known names in credit cards is Capital One and the Capital One Platinum MasterCard is one card that might find a welcome home in your wallet. Reviewers like the Capital One Platinum MasterCard for the ease of obtaining an account- especially for a platinum level card, which are usually difficult to obtain. They also like the small monthly payment, reasonable interest rate, and the wide acceptance. But there are mixed opinions about the Capital One Platinum MasterCard and comments range from “Capital One has Great Customer Service, Courteous and Helpful” to “Do Not Apply for Capital One”. The tendency fof the interest rate to increase for any reason or no reason is cited by some as a good reason to avoid the b>Capital One Platinum MasterCard and when all pros and cons are considered, this Credit Card ranks very middle of the road.
37% of people rated Capital One - Platinum Mastercard as 5 stars
37% of people rated Capital One - Platinum Mastercard as 5 stars%
37%
29% of people rated Capital One - Platinum Mastercard as 4 stars
29% of people rated Capital One - Platinum Mastercard as 4 stars%
29%
16% of people rated Capital One - Platinum Mastercard as 3 stars
16% of people rated Capital One - Platinum Mastercard as 3 stars%
16%
5% of people rated Capital One - Platinum Mastercard as 2 stars
5% of people rated Capital One - Platinum Mastercard as 2 stars%
5%
15% of people rated Capital One - Platinum Mastercard as 1 star
15% of people rated Capital One - Platinum Mastercard as 1 star%
15%
78% 78% of people recommend Capital One - Platinum Mastercard 22% of people don't recommend Capital One - Platinum Mastercard 22%
 

Capital One - Platinum Mastercard Comparison

4 star rating Most Helpful
Favorable Review
NOV
25
2008
I have been doing business with Capital One for the last twelve years.  I have had good and bad experiences, as we all have, but overall I find them to be incredibly helpful.  When I had my purse stolen they took care of me immediately and contacted me with updates on a regular basis.  My interest... review »
Every day computer user

grumblina
Reno, NV
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1 star rating Most Helpful
Critical Review
FEB
14
2009
  We received the new credit card last week and wanted to request an additional card for myself.  We called and gave them the info, etc.  We received the 2nd card.  It didn't need to be verified via phone??  So we used it yesterday for a grocery purchase and then tried for an internet purchase,... review »
reviewer
an aggressive investor

GOODGAL
Munster, IN
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Capital One - Platinum Mastercard Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 13 of 41 sort by: most helpful | date | rating


4
helpful
votes

NOV
21
2008
Pay it on time you are rewarded with low interest rates and more
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5 star rating
reviewer
thecanvas15
Elmendorf Afb, AK



3
helpful
votes
on a strict budget

AUG
6
2008
like all credit cards buy now and PAY later if you know what i mean. do your self a favor dont become a credit card slave....
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1 star rating
reviewer
loveamp88
Fallon, NV



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2
helpful
votes
in debt, paying cash, Every day computer user, saving a little, on a strict budget

DEC
8
2008

The Capital One Platinum Mastercard.....this is a good card for anyone that's had financial trouble and recovered from it. The interested rate can be high, but your information is reported correctly. If you have credit that is not perfect or far from perfect this is a great card to use to re-establish your credit rating and improve it.  

Capital One alsohas a rewards card which is good.


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4 star rating
reviewer
cutie2567
Trenton, NJ



1
helpful
vote
paying cash, an moderate investor

DEC
28
2008

Capitol One Platinum Mastercard, taking it to new highs! Think about the average Joe and then you'll understand my review. I've been a consumer and have personally carried this card for years now, no let downs thus far. I recommend Capitol One over others namely, Discover, Chase and Applied Bank. If ever in doubt, ask those who have tried and used Capitol One, you wont be disappointed.


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4 star rating
reviewer
honestreview
Cincinnati, OH



1
helpful
vote
Every day computer user, a low risk investor, saving a little, on a strict budget

DEC
2
2008
I got a Capital One Card and have appreciated the fact that I can apply my cash back rewards to my balance automatically.  It has a reasonable interest rate even for someone trying to rebuild their credit!  I haven't had one bad experience.  Try Capital One, they have a card for everyone!
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5 star rating
reviewer
LissaE77
Athens, AL



1
helpful
vote
Every day computer user

DEC
2
2008

capital one platinume master card always lets me know about any activity happening on my card because i made the mistake of having a card given to one of my children so captiol lets me know when they are using it.

great job.


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5 star rating
reviewer
misterbob117
Venice, FL



1
helpful
vote

JAN
5
2009
I had an incident with an online scam and they were quick and friendly to answer my questions and dispute the charge. They also credited my account back quickly.
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4 star rating
2009 Contributor
taterdudemom1
Dayton, OH



D
A little wiser, on a strict budget

OCT
15
2009

I had a Capital One Platinum Mastercard. I never missed a payment, I was never late on a payment. I always paid above the minimum payment request. When I received a notice letting me know that they were raising my interest rate, and I mean RAISING the rate...I called them to find out why. They said it was an across the board raise because of the economy. Now all I hear lately is about how the economy is coming back. Seniors are not even getting their annual cost of living increase this year because the cost of living has gone down. Which is it? If the rate increase was not bad enough, when I called...

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1 star rating
reviewer
myrosie
Mulberry, FL



D
Every day computer user

JUL
21
2009

Capital One Platinum uses unfair trade practices in dealing with interest rates.  I was at a low 2.3% interest rate and received a notification stating that the interest rate would be increased to 9.9%.  The notification stated that I had the option to cancel the card and keep the low interest rate to pay off the balance or keep the card with the higher interest rate.  The notification stated that I had until 04/17/09 to notify them of my decision.  I called the number in the notification to cancel the card. Capital One was to have cancelled the card effective 05/17/09.  I called Capital One...

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1 star rating
reviewer
IndyBarb0728
Valparaiso, IN



D
an moderate investor, saving a little

JUN
18
2009

I have had my Cap One card for about six months. It has a 14.25% rate that will not increase as long as the account stays current and minimum payments are made. I try to pay my entire balance so I don't have any interest accrual. Recently I received an e-mail inviting me to sign on and create my own image card. The service is free and as long as you follow their guidelines practically any image may be uploaded from your computer. They also offer an extensive list of photos, icons, etc. The categories are too numerous to mention here I am sure most of you have seen the recent TV campaign about this...

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4 star rating
2009 Reviewer
Chapette
Myakka City, FL



D
Every day computer user

JUN
4
2009

I have never given a review before now.  Mypoints has enticed me and a survey company has paid me dearly for what is called in credit card company terms a "Change in Terms Notification and Delinquency Payments Notification".  Evidently credit card companies feel they have the right to do business however they feel fit.  They feel like it is ok or necessary to change their agreement with their cusomers and if the customers do not like it they can leave.  I chose to stay.  There is no fee.  I have a low limit and I always pay it off in full whenever I use it, which happens to be rarely.  This...

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3 star rating
reviewer
gobigredjr
Pleasant Dale, NE



D
not rich, value conscious, cost-conscious, budget conscious, saving a little

APR
30
2009

This card has come in very handy as a credit builder.  After going through a long and tough divorce and ending up having to file bankruptcy I have been struggling to find any credit, even in small amounts to help build my credit back up.  Capital One offered me this card with a low credit limit but with 6 months at 0.00% interest on my purchases.  Also, after making a purchase and making my payments on time for 3 months they increased my credit limit and after doing the same for 3 more months they will increase it again.  This means a lot to me.  The interest rate is somewhat reasonable compared...

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5 star rating
reviewer
happinessafter40
Ripley, WV



D
an moderate investor, Every day computer user, on a strict budget, saving a little

SEP
21
2009

I got this card some years ago as it offered what I thought was a decent interest rate and 12 months interest free. What I didn't know was that you always have to read the fine print. I was given a low maximum as I didn't have any credit and the account fees, both monthly and yearly, killed me! I was already over my limit right away!

So I ended up having about a 28% interest and hadn't hardly bought a thing with it. Yes, I was young and yes, naive. If you're looking to build your credit, they'll more than likely give you a card but be forewarned, pay attention to when they charge their fees because...

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2 star rating
2009 Contributor
ashleylovesnascar
Gaylord, MN



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