Be very careful with this card (Capital One)

Member Name: Charly_uk

Product:	Capital One
Date:	30/09/02 (1196 review reads)
Rating:

Advantages: everybody get

Disadvantages: you not get what you order

I came to the UK for Work and had to open a Bank Account. I went to Llodys and it worked out very easy. The only disadvantage had been, they only give me an electron card. First I thought fine, cause I never had Problems with an Visa Electron, I used it anytime. But the handling of this card is very different in the UK I had to learn. You can use it nearly anywhere in the World including Internet without Problems, but not in the UK. The Electron card here will be not accepted widely and never over the Internet.

So I need a second card and this was hard to get without any Credit History. Then I came to Capital one, and applied over the Internet for the ?No fee? Classic Card.

After about one week a letter came,. I have to send some Utility Bills. Done this after one week the next letter with a credit agreement that say they give me a card with £1000 . One week later the card comes, with a Limit of $200, what?s nearly nothing and normally useless. Prewarned I called them, if I can transfer money to this account to have a higher limit and they say not possible.

Nevertheless I did a transfer and it worked well. And now I am happy I did this, cause a few weeks later the first statement comes and they added a $19 annual fee, but I applied for a free card. I asked them why and the only answer I got it that this card has an annual fee.

But the worst thing on this is, they don?t add this to your account immediate , no the do it on the date of you first statement. That means, if you have a limit from £200 and spent £190 you are in your limit. But then the add the £19 you never think about, cause you applied for a free card. And now you have a balance from £209 and that?s £9 over the limit, what would cost you another £20 for going over you limit. So without your fault you have to pay £39 for a ?free? card, what a scam.

So if you need this card, use it very careful, otherwise forget it very quickly


PS: You can p

ut money as much you want into this account and spent it, regardless what they say.


The communication with them you find here:

Message


From: Capital One
Sent: Mon 30 Sep 02
Subject: Re[3]: Fee
Thank you for your secure message query about the annual membership fee.I can confirm that at both application stage and on the credit card agreement we sent to you, which we asked you to read, sign and return it to us that we did advise you of the annual membership charge of £18.00..Thank you for using our internet services.Amanda WarrinerCustomer Relations Manager® A registered mark of Capital One Holdings limited. Capital One Bank (Europe) plc:Registered Office: 18 Hanover Square London W1S 1HX. Registered in England & Wales Company Number 3879023. VAT Registration Number 690 68 61 01.

Last 3 Message(s)


From: xxxxxxx
Sent: Fri 27 Sep 02
Subject: Re[2]: Fee
Thanks for you answer, but what please is that then for a card, if not a classic one ?From you Internet Page today, where I applied for this card, and how I have applied for an anual fee card with the form on that page ?????"The Capital One Classic MasterCard with No Annual Fee. Apply today, even if you've been turned down in the past and help rebuild or strengthen your credit rating."



From: xxxxxxxx
Sent: Fri 27 Sep 02
Subject: Re[1]: Fee
Thank you for your secure message.Please accept my apologies if you have sent a message before this one. This is the first secure message we have received from you.I can confirm the account you have with us is the Capital One classic card which does carry an annual membership fee.Thank you for using our internet services.Amanda WarrinerCustomer Relations Manager® A registered mark of Capital One Holdings limited. Capital One Bank (Europe) plc:Registered Office: 18 Hanover Square London W1S 1HX. Registered in England & Wales Comp
any Number 387
9023. VAT Registration Number 690 68 61 01.



From: xxxxxxxxxx
Sent: Thu 26 Sep 02
Subject: Fee
I wrote you a message a few days before, would you please be so kind and answer it.I applied over the Internet for a card with no anual fee and got it. Now you chared me £19 fee, why ???



©2002 Capital One Holdings Ltd. / Capital One Bank (Europe) plc. All rights reserved.

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