Capital One is the absolute worst of the worst! (Capital One)

Member Name: hector

Product:	Capital One
Date:	06/08/08 (194 review reads)
Rating:

Advantages: none

Disadvantages: costumer service, high fees, etc. - everything!!!

Capital One is the worst possible bank to get a credit card from!

They gave you the lowest limits possible! All my other cards are $5000-$15,000... Capital One gave me a $500 card! I took it, to build my credit (I'm only 23 and a student, so my credit history is short.) I used it and paid it off every month. I had it for 2 years, they never offered to raise the limit (like normal companies do!)

They charged me a $39 yearly fee, and a monthly fee too, even though I had no balance carried over!

Once I canceled a payment that I made online a few hours earlier, because I realized that I have closed the account which the payment was going to come from. A few days later I found out that I was charged a $39 returned check fee. I called them, and a really rude and uneducated associate basically told me to go to hell if I don't like it. I told them that all I want is to get a refund on the $39, since I cancelled that payment. She hung up on me.

I called back and asked to speak to someone regarding what just happened. They said they have no managers! Wow! Then I asked to be transferred to someone who can help me close this account, because I'm sick of them. They put me on hold for 24 minutes, then hung up!

This is more upsetting than anything I've ever experienced! Capital One is a company that should not be around! They have the worst of all - rates, fees, limits and customer service. I will never do business with them again!

Summary: Please avoid them at all costs!