BACKGROUND Capital One credit card was the second credit card that I took out, the reason for taking the credit card out was because I found the cashback element appealing. The credit criteria only require a low income (cannot remember exactly how much now) which was ideal as I was a student and working part time for minimum wage. ADVANTAGES The main advantage is I get cashback added to me account in January every year from the money that I have spent in the previous 12 months. As I have the direct debit set to pay the balance off in full each month, I never have any problems with incurring interest etc. Secondly, the online banking ...  Read the complete review

After being Capital One customers for several years now, we've recently fallen into financial difficulties and missed a couple of payments for the first time. We have several creditors who've been hounding us with repeat phone-calls - but I have to say that Capital One have been the best of the bunch. Their support and customer service has been outstanding. They provided great advice, and have been overwhelmingly considerate and understanding in their approach. They were extremely sympathetic to our difficult circumstances, and reassured us that we're going to get through this, and affirmed their commitment to do everything they can to help and support us. Yes, we've ...  Read the complete review

Capital One was the first credit cards I was ever issued back over 10 years ago and for the longest time I really enjoyed using them, despite the fact I was paying a $60 annual fee for the card. The customer service was good and I was getting rewards on my purchases and everything seemed great. About three years ago I had stopped using my Capital One card almost entirely and since I was not charging anything I didn't check my account. They ended up charging me my $60 annual fee, which I wasn't aware of until 1-2 months later and ended up charging me a $39 late fee plus charged interest on my balance so I ended up paying over $100 for that. Of course ...  Read the complete review

ok so i've had credit for insurance,mobile phones etc but had problems getting a credit card because i've moved around a bit, was recently accepted by CapOne for their Progress card. All-be-it a poxy £300 limit its good to see that theres now ways for us to get a foot on the ladder again. Yes their call centres are foreign and very scripted but in their defense,many credit cards and utilities are these days. Also to those that are slagging them off for treating you "poorly" when you have missed two or three consecutive payments, i work in debt reecovery and im sorry but you're going to have to go through the exact same thing with almost any credit card ...  Read the complete review

Made my payment by the due date, was thanked for my payment on that day at 20 times the amount that was due,then recived a fine of £12 for LATE PAYMENT, CAPITAL ONE SUCKS.