Ive already paid! (Capital One)

Member Name: Gemma87

Product:	Capital One
Date:	17/02/09 (419 review reads)
Rating:

Advantages: Easy forms and quick descion

Disadvantages: customer service

I have been with capital one now for over 2 years and this is what I think of them.

To apply its incredibly simple, you can apply online and the questionnaire they'll get you to fill in takes no more then 10 minutes. I also got a response within 10 minutes of applying and woo hoo! I was accepted for the card!

The forms were promptly sent to me to read and sign then send back for my card to be sent to me and again within a week my card was sent. I honestly thought they seemed like a really good credit card company to be with!

At first everything was fine and my card was only used every now and again for odd bits and bobs and was always paid off. However after making a bigger purchase on it is when things started to go wrong!

I recieved as always my statement and was annoyed to find my interest rate had gone up just as I'd dpenst considerably more on my card! However I decided to make more then my minimum payment and did this using the online system as i always did (this I have to say is very good and simple to use).

However after doing this I recieved a phone call 2 weeks later saying I was having a late charge added as I had failed to meet the payment date. I assured them I had and checked online to see the payement had gone from my account.

I am still trying to solve this as I have now had to make 2 payments in one month even though my first one was more then the minimum!

My advice dont bother with this credit card company!

Summary: Go somewhere else