| Product: |
Capital One |
| Date: |
16/06/09 (163 review reads) |
| Rating: |
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Advantages: quick money
Disadvantages: Problems that they cause
I do have alot of problems with credit card companies in general due to having owned a few in the past. From Capital one to Mastercard and I can not say any of them vary really in their codes of condut.
I will definately say that capital one have got to be the worst they send you their cards even if you are not working how can they be able to do this it should be made against the law. People on low incomes who struggle to get by are offered huge amounts of money that they can spend it is like dangling a carrot infornt of a donkeys face.
If you miss a payment then you have a phone call the next day questioning you or threatening you there should also be a law to this, not that the people you are talking to sound as if they are even human they always sound like an automated service and I am not quiet convinced they are not.
Statements are supposed to be sent each month are they? NO when you phone they can not help you. You tell them you have lost your job do they try and help? NO they send you an expenditure pack to fill in and inform you that you will have to pay the minimum payment of £50 on a £2000 balance they decided to give you to spend as you wish until they can be bothered to recive the paperwork process it and decide that no they still can not help you you have to pay £20 a month at the least and you still get charged interest on that of £15 so you are paying off £5 per month sometimes not even that.
I joined a debt company to help me with my messy situation and they got that interest stopped and my payments to them were less than £20 I no longer receive statements and they do not contact me and threaten me anymore it was the best thing I have ever done if only I hadnt been tempted by the evil company who likes to give you money but distroy you to have it back.
Summary: never have any finance or credit cards
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Last comments:
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- 16/06/09 very interesting, thanks! |
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- 16/06/09 I find them all much of a muchness like yourself. I will say this though, Capitol one are one of the few card companies that offer a credit card facilities to people with poor credit ratings and their extortionate APR reflects this.
I was foolish enough to take out a Capitol One card and have regretted it ever since. It's very expensive and their minimum repayment amounts are substantially more than their rivals.
If you have a good credit score, steer well clear, they are only any use to build up your credit score if you have had one in the past. |
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