Capital One Reviews & Info

lise_mendel_1 10 Wallet Points Follow

I had some real trepidation when Capitol One bought Chevy Chase S&L (where we had been
banking for years), but I have to say that the staff at *each* branch I've visited have
been fantastic. They have made a real effort to get to know me and my family, have helped
us to find the best products for us (and minimize excessive fees), and have made me feel
comfortable there.

Most recently, when I called the central bank number for an issue resolution and the
operator said “that's up to the discretion of the branch manager” my immediate thought
was “that's fine then,” rather than “oh, no...” I'd call that evidence of
excellent customer relations.

glaciated 10 Wallet Points Follow

I've been with Capital One for several years now. Their checking is pretty good...one of
the best checking rewards programs out there. I've cashed in my points twice now, and both
times were as hassle-free as their advertising maintains. Every time that I need to go
inside the lobby for assistance, staff has been extremely helpful, knowledgeable, and
courteous. I have even opened a business checking account with them, and that process was
very smooth. They assign you a banker to walk through the process with you and make sure
that you get everything that you need to have a successful business…at least on the
banking side.

stonecole 10 Wallet Points Follow

I started off working for Capital One before I even bought my car. They took care of me as
an employee, so I went with them to finance my vehicle. They gave me a great interest
rate, and I have never had a problem with collections or customer service calls. I
financed my car for 6 years and have not had a problem yet. Having been on the auto
collections side of the bank, I know some customers may not enjoy their experience, but to
the bank's credit it is usually because that customer did not understand something or
communicate with the bank. All in all, I have had great experiences with Capital One.

agentmanningctu 10 Wallet Points Follow

I was forced to pick a new bank after moving across the country, and Capital One was the
most convenient. Living on a college campus, Capital One was the only bank that I could
realistically do all of my banking from. I started off by applying for an account and
found the process easy and the staff friendly. I spoke with several people, and everyone
was very helpful and nice. I was able to get my account started quickly and easily. Over
the years, I've never had any problems. Check deposits clear instantly and I've never had
to wait for money to go through. Their other services, like notarization, is free for
account holders. Overall, my experience has been near perfect. Capital One is fast, easy,
and reliable.

jonathon87 20 Wallet Points Follow

I have had my account since it was under the Bank ING Direct. They have been decent but
the biggest problem I have had is that for somebody with no credit you cannot get their
main checking account. The only other option for me to receive is their Teen Checking
account which is nothing more than a basic checking account and not worth leaving my
current account for. As of the last time I checked, they also do not have a mobile app for
Blackberry and Windows Mobile. I know these are not the most popular platforms but between
these two platforms, there are lots of people who would like to have a mobile app. It
would not be hard to create a simple html5 app.

jdoros 20 Wallet Points Follow

So I was previously a member of ING, which I loved, because the savings had an interest
rate of about .8%, which was really high (considering previously I kept my money in CD's
that gave me about .4% for 12 months). I was worried when they got bought out by Capital
One, and thought the rates would go down to what savings accounts normally are (about
.075% or less). HOWEVER I was pleasantly surprised that the rate only dropped to .75%,
still higher than any 12 month CD I could find (.4%, also with Capital one!). So no
complaints, money is still gaining a bit of interest, and the website is just easy to use,
they even preserved my customer ID and password from ING. I hope they continue the high
rates of savings further on, and it's not just because it's still the first few months
after a takeover of another bank. Online savings accounts are the way to go and I love it.

credmond311 30 Wallet Points Follow

I have had my Capital One online savings account for over 3 years now. I have been nothing
but completely pleased. I initially signed up for a Capital One credit card and then
noticed that if I also signed up for the savings account, they would offer me 1.15%
interest which is the best I have found for savings accounts by far. There are no hidden
fees, the transfers into and out of the account are hassle-free and easy to do and the
customer service has helped explain a few things to me in the past and they were always
glad to do so. I do not plan on moving my money out of this savings account because of its
interest rate, functionality and the Capital One name gives me a lot of peace of mind, I
feel like my money is very safe. The online system to maintain the account is very user
friendly as well and they retain all of the bank statements for your personal viewing at
any time. Did I mention no fees!! Bonus, their credit card is also recommended because
there is no service fee and it is accepted worldwide.

chfuqua01 10 Wallet Points Follow

I have banked with Capital One for over a year – around the time that Bank of America
said they were going to start charging for debit cards! My experience could not be better.
Transactions are always posted quickly and the online banking site is constantly up to
date. The bill pay has never given me any problems and payments are sent on time. A huge
bonus is the reimbursement for any ATM fees, which allows me to use the ATM on site at
work without worrying about paying fees to that bank and to my own. Reimbursements are
always posted the same evening that I withdraw cash. Customer service is great as well;
just today I had to call and order a replacement debit card. They went through everything
quickly and the added layer of security questions is a huge plus. I don't know if I will
ever bank with anyone else again!

bobtheman 30 Wallet Points Follow

My experience with the banking system of Capital One has overall been a good one. I
appreciate that they make it very easy to complete basic transactions through their online
system. Things like depositing a check and the like have online equivalents which I
appreciate, as my job requires me to do a lot of moving, so a locally based bank would not
be as helpful to me.

Additionally, I had a problem with someone hacking my credit information, and they took
care of my issues very quickly, with a minimum of fuss. Overall, I would recommend Capital
One to anyone looking for a basic, no-fuss banking system that is widespread across the
country.

pwiz84 20 Wallet Points Follow

I have had an account with Capital one for 13 years, back when they were known as North
Fork Bank, and I have had no problems with them at all. No checking fees or minimum
balances. Online banking makes checking my balance a breeze. They even worked with me when
I had someone use my account number without my authorization. I have only one complaint. I
live in northern Westchester and the nearest branch is in White Plains and in Rockland
county. But other than that, it's great. I would consider applying for other lines of
credit such as an auto loan or a personal loan if that time comes up.

jacksonc 90 Wallet Points Follow

I was a previous account holder of an Electric Orange Checking Account through ING before
they became part of Capital One. I was unsure at first about how things would be when they
changed over, was everything going to be as simple? As easy? ING was great in my opinion
but Capital One has answered the call and everything has been kept almost identical to
when they had Electric Orange Checking, including the website and even the mobile
application. The customer service representatives are also top notch, as they have easily
(and nicely) taken me through even the slightest of problems or questions I've had. The
interest rates are also about as good as you're going to get on a checking account. So if
you're looking to open up an all online account or were a fan of the ING electric orange,
the Capital One 360 is for you. It's simple, convenient, and not to mention free.

alishabitz 148 Wallet Points Follow

When I and my husband were first starting out, we needed a car. Capital One was one of the
first places we tried applying for a car loan. We didn't have much credit history, but
they were willing to work with us, which I was thankful for. The staff was very friendly,
and kind. They answered all our questions without looking down on us for not knowing the
answers. The guided us through the whole process and made it as simple as possible. Even
though we chose not to use them in the end because we found a lower interest rate
somewhere else, I would use them again if I needed a good bank.

bikinibeegee 10 Wallet Points Follow

I have had an account with Capital One since it bought out First Guaranty, then Hibernia.
With that said, it has been a many year relationship. I have an accidental death policy
which is automatically drawn each month. There are no monthly fees. If I need my debit
card changed, it is done so immediately. My account is a Rewards Checking account, which
has changed a bit in the recent year. There's not a lot of activity on my account, so I
haven't utilized the rewards program yet. My account doesn't have any balance requirement.
I've never had a bad experience with Capital One. The online banking site makes it fast
and easy to transfer funds between accounts, setup auto bill payments, view your banking
activity and search your transaction history. One of my favorite things about them was
their customer service. Overall, I would certainly recommend Capital One.

swdison 83 Wallet Points Follow

I've used Capital One as a bank of mine for quite a while. My main bank is US Bank, but I
use the Capital One account as a sort of secret savings account. If I transfer money
there, it's tough to get it out and spend it. I don't even have a debit card for the
account. Though, they obviously offered one to me. The interest rate they offered me is
quite competitive. It's higher than many traditional banks, even. Since I already have a
credit card at Capital One, it's very easy for me to log in to my account, so that's
definitely a plus. Overall, Capital One makes an excellent bank, even compared to more
traditional banks.

steven_seagull_503 20 Wallet Points Follow

The interest rate that I get is relatively low, and if I do not have a directly deposited
check I have to keep a relatively high dollar amount in my account as to not incur a 9
dollar monthly fee. If I am putting money into your bank there is no reason you should be
docking me a fee because you are making money off of me. On the plus side my local branch
does offer free change exchange from their Coinstar for members, and the entire staff
there is extremely helpful. Any real issues I have can be resolved with a simple phone
call, and any information I need is provided in the same way. The hours at my local branch
also fit my schedule pretty well. They don't randomly close in the middle of the day like
my old bank did if I needed something. I just wish they didn't have the random fees if you
do not keep enough cash in an account. Then I would be very happy with the bank. The lack
of any branches in the northeast like Hartford is kind of a drag though too. All in all
not a bad bank at all, but not great either.

ndinardo09 10 Wallet Points Follow

I started an account at Capital One when I started school 4 years ago and am with them
after I graduated. I have the basic student savings/checking combo. Nothing is too
spectacular about the plan itself and I wasn't really clear on a few things when I
started. For one, I was charged 50 cents every time I made a transaction (wasn't aware of
but went away). I was also unclear about how much was the minimum balance to have in
checking/savings account but eventually found out. Their customer service is really really
helpful. I've had to do minor things, like change my address on my card, name changes,
etc. and they were all completed quickly and effortlessly. They even sent me free checks!
Overall, it’s definitely a good bank (with bad advertising).

elasmaay 60 Wallet Points Follow

As soon as I received my accounting Bachelor´s degree at the University of Utah, I
decided to keep a souvenir by applying for a University of Utah Alumni Credit Card through
the University of Utah credit union. My application for that credit card was approved in
minutes offering me free interest on balance transfers for six months, then the APR moves
to 13 percent. The card is a Capital One credit card with the U Logo embodied in it. I
gladly transferred my Bank of America Gold credit card balance over to the new capital one
University of Utah Alumni Credit Card; thus benefiting from free interest for the whole
balance.

Sketch42 20 Wallet Points Follow

Capital One recently took over ING Direct, which had been my bank for years. I was
initially concerned, but everything has gone well with Capital One so far. They've kept
the amazingly useful mobile banking, so I can deposit checks straight from my phone, and
all the ATMs that used to take ING cards still take Capital One cards. Automatic bill
payment has been perfect for me. My payments arrive on time, every time, and they always
send an email so I know what's going on with my money. The only downside is not having a
physical location to deposit cash, though for all the online perks, reliability, and ease
of use, it's a small inconvenience for such a good bank.

jot83 50 Wallet Points Follow

I have a bank account with Capital One. My account was recently purchased from ING Direct,
but all of the features are the same. I like the website security. Instead of entering in
a password, you click a number-pad style widget for your password. This prevents keystroke
viruses from capturing your password. When I transfer money, it seems to get processed
much faster than at my brick and mortar banks. There is only one ATM that is near me, at
Target, but this is OK as I usually just use my debit card. I also have a savings account
with them and it is very easy to transfer money to and from that account.

robertb 40 Wallet Points Follow

First off, I've never had a bad experience with Capital One. All my local branches have
been extremely nice, courteous, and went above and beyond to please me, from the start.

I opened my first account with Capital One back in 2010. The assistant manager of the
branch I was at completely walked me through, and explained every single aspect of every
account. She made sure I was told EVERYTHING, and that all fees, if any, were in the open.
Nothing left uncovered and nothing left 'hidden.' My account is a Rewards Checking
account, which has changed a bit in the recent year. When I created my account, Rewards
Checking did not have any minimum balance requirement, unlike now. However, to just show
how nice Capital One will be to loyal customers, I contacted them about this matter. I was
told that, since I made my account before the balance requirement and have been a good
customer I don't have to worry about it. My account doesn't have any balance requirement.
Did they have to do this? No. They did it to help a customer, and that's basically every
experience I've had with Capital One.

As for my account in general, the features I receive are very good, and all branches have
great hours. Plenty of ATMs around, no fees and, overall, it's just a great bank.
Definitely consider Capital One if you're looking for a bank that is out to make you feel
like family.

infinitezipread 106 Wallet Points Follow

Capital One is a decent bank. I have a credit card through them and now that they have
bought out ING Direct, my savings is now through them. I got a decent interest rate on the
savings. Interest is horrible right now, but this account seems to be the best. I've never
had any problems with the credit card through them. I pay my bill on time and never have
to contact their customer service. There are no random charges in my account and they
always get my bill right. It's just the way it should be. I'd recommend them.

jcbird 30 Wallet Points Follow

I have been a customer of Capital One for about three years. I have an auto loan from them
with a decent interest rate. I have called them several times and they have taken care of
my problems. They are good about letting you go over a month without paying and do not
harass.
They sent me a reminder notice with a little note that said I was a little behind and if I
would go ahead and remit a payment soon. I have also used the online site to message them.
It took a couple of days for them to reply, which is why I am rating 4 stars instead of 5.
The information I received was about billing and it was explained in great detail. Overall
Capital One has been easy to deal with and is an excellent company to get loans from.

dadaduck 10 Wallet Points Follow

I have been a Capital One credit card customer for about 10 years now. I've had three
different cards with them, so I think it's safe to say that I'm an experienced user!
Overall I would say that I have had very good customer service experiences with Capital
One. I do a fair bit of international travel so I love the fact that they don't charge
insanely high “international transaction fees” like some banks do, which means I
always use my Capital One cards when I go overseas. I generally call to tell them that I
will be leaving the country, and the customer service reps I've spoken with have always
been very supportive and helpful. On a couple of occasions I've forgotten to call and
they've put a hold on my account after I've made a couple of international transactions...
this is a good thing, because it prevents fraud! I am happy to report that those account
holds are always accompanied by a phone call from their fraud department, because
otherwise I would have no idea what was going on. One time I did actually have a
fraudulent charge on one of my accounts, so I was very happy that they are so proactive,
because if I hadn't received a call from them it might have taken me a few days to notice
the fraudulent charge. My only complaint is that when I did have the fraudulent charge on
my account it took a long time to get it reversed, but it did eventually get taken care of
and the people I spoke to in the fraud department were helpful. I am pleased with the
level of service I have received from Capital One to date, and will continue to be a
customer.

Gemali 21 Wallet Points Follow

I have great experiences with Capital One, To start Customer Service has been extremely
helpful, every time I had a questions regarding my account or credit card they would
always give me an excellent answer to all my questions, They understand exactly what I
need help with. I have never had any bad services since I started using Capital one. The
online account services is really easy to use and very clear to understand.

Summerlove 10 Wallet Points Follow

I have used Capital One Banking for over 5 years and managing my checking and savings
accounts is always easy, convenient and the customer service is always outstanding. The
online banking site makes it fast and easy to transfer funds between accounts, setup auto
bill payments, view your banking activity and search your transaction history. The service
representatives at my local banking center are always friendly, helpful and willing to
assist me with any issue necessary. They make name-changes due to marriage and adding an
individual to your account is a very hassle-free process. I especially like the new
drive-thru ATMs with envelope-free check deposits. It makes depositing funds quick and
simple!

Drunkenone 60 Wallet Points Follow

I have been a member of Capital One Bank for several years, ever since my previous bank,
Chevy Chase, was acquired by them. At first I was upset as I was going from a local bank
to a national chain, but I have been pleasantly surprised. I have had excellent customer
service from my local branch on several occasions, and despite having offers to bank
elsewhere, I continue to do my banking with Capital One. When my wallet was stolen, and I
was quite upset, the bank manager met with me and helped me go through the process of
deactivating my previous card and account in order to prevent identity theft. He was very
helpful and calming and made me feel much better about the situation. On top of all of
that, their rewards checking is quite excellent and I love the feeling of getting rewards
when buying things. It’s basically free money for doing what I was already doing and
love to do, shopping!

BillAndrews 40 Wallet Points Follow

I have been using the Capital One VentureOne Rewards Credit Card for a couple of years now
and I am completely satisfied with this credit card. There is no annual fee and for every
dollar I spend, I receive 1.25 airline miles. A friend told me they were able to get
10,000 miles when they signed up after they charged $1000 on the card so it sounded like a
good deal. Within a month I had reached that goal and I had earned enough for a free
flight in just one month. The great part about it was the first year I had the card, the
APR was 0%. So I used the card frequently and was able to earn another free flight by the
end of the year.

marybolesherbert 161 Wallet Points Follow

I've had a Capital One account for 2 years. I have only had one problem during the time a
deposit was entered into my account in an amount less than the check was written for.
However, when I contacted customer service they were very helpful, and promptly corrected
the error with no further issues. I noticed the correction on my online statement
immediately. Out of several banks I bank with, I like the online banking site for Capital
One the best. It was easy to open my account online, and I have easy access to my monthly
account statements, transfers and online bill pay.

shannon_johnson_146612 190 Wallet Points Follow

I got my car loan through Capital One. I am not too pleased with the interest rate, but I
guess that's what the dealership decided was the best fit for me. I got the vehicle I
wanted so I guess that's all that matters. I am an impulse buyer so I decided to take it
for the higher interest rate than to not get the vehicle I wanted. It is still in my price
range so I guess it doesn't matter. I pay the bill each month so I never have any troubles
with them. I haven't had to talk to customer service so I don't have an opinion on them
either. My application was quickly approved so the application part was easy enough.

slip669 19 Wallet Points Follow

I decided to open a Capital One account because I was having a hard time with Bank of
America where my original account was with fees and other activity that I was not doing. I
figured I would not have as bad a time with Capitol One but boy was I wrong, their
customer service was mediocre at best and every time I wanted a question answered it would
take forever for me to get through to someone. I really wouldn't recommend anyone opening
an account with these guys unless you have to! The one saving grace for me was that it was
very easy to open an account and their online services are pretty decent!

fkabibil 136 Wallet Points Follow

I had an up and down experience with this bank. I initially started with a checking
account here and everything was peachy. Great customer service and lots of branches nearby
for easy access. My problems began when I took out a personal loan. The application
process for some reason was drawn out and they made me feel less than good about myself
even though my credit history was flawless. I was finally approved for the loan and
thought the worst was over. I was definitely wrong about that. When the recession kicked
in a couple years ago they decided to hike up my rates. After numerous irate calls from me
to customer service my quandary was finally settled. But this took a ton of effort on my
part and was completely unnecessary. I eventually paid off this loan and took my business
elsewhere. If you’re looking for a checking account or similar service they might work
out for you but personally I cannot recommend this bank.

Ilovebank33 42 Wallet Points Follow

Their credit cards are a rip off and their credit card interest rates are very poor and
too high. And I don't know how credit card companies like Capital One Bank can expect
anyone to pay off their credit cards with interest rates of 20% APR and not work with
their customers in lowering their interest rates on credit cards. They never worked with
me in lowering my interest rates on my credit cards. And I refuse to ever get another
credit card with Capital One ever again in my life. They are the biggest jokes ever of all
time and the biggest crock robbers I've ever dealt with in life!

awoltomorrow 40 Wallet Points Follow

I have had an online checking account that offers interest with Capital One for about 2
years now. This is my secondary account and the main reason I opened it is because Capital
One is virtually the only bank who does not charge international transaction fees. I
travel to Europe on a semi-regular basis and have found that Capital One, due to their
presence in the UK, will give you not only transaction fee free use of their debit card
all over Europe but also offers extremely competitive exchange rates. The only slight
drawback is that you have to call in to announce your travel plans – they don't have an
online option for that. I have had a few minor disputes with purchases made in France and
was completely satisfied with how they handled and resolved those.
Their online bill payment service (free) seems pretty good to me, although I only use it
for paying my credit card.
So far I have never been charged a fee for anything by Capital One, and that by itself is
rather satisfying.

meggy1017 120 Wallet Points Follow

So far so good. Capital One is in the process of acquiring a bank where I have had an
account for many years. They have let us know far in advance of the switch. If they are
true to their word then I will be retaining the benefits of this savings account,
including the high interest rate. I appreciate the warning and have had no trouble getting
my questions answered from customer service about banking changes. There have been no
consumer benefits added that I have seen as yet so that's why 4 stars. I will amend this
review if there is a need but as of now I'm happy to be a new Capital One customer.

bjustice3387 209 Wallet Points Follow

From the beginning I have had trouble with Capital One. Capital One's banking and credit
card process as well as their lack of customer service are difficult to deal with If you
have an issue. It takes a long time to get things resolved, if they even do get resolved.
For example, I had an issue with overdraft fees, which was not my fault, and they would
not reimburse the fees. Their online banking system is horrible. Your transactions do not
show up right away so it makes it difficult to balance your money. Please research Capital
One or any other institution before you put your hard-earned money anywhere.

pray4midownfall 219 Wallet Points Follow

My experience with Capital One was exceptional. The application process was very easy and
quick. Getting started was not a hassle at all. In fact, as weird as it may sound, I found
the application process to be pretty fun. I encountered no problems whatsoever while with
Capital One. One of my favorite things about them was their customer service. I never
experienced long wait times when contacting them and their customer service reps were
extremely efficient. Furthermore, they were also very courteous and seemed to be sincere
in trying to help you with whatever question or issue you may have. Capital One also
offered several credit cards at great interest rates and with a decent amount when it came
to its monthly payment, so that was also something to keep in mind. Overall, I would
certainly recommend Capital One.

meg4353 10 Wallet Points Follow

I began my time with Capital One when they purchased the smaller bank in my city. I'd
originally started with the smaller bank because I'd had nightmare experiences with other
big banks that took over my little bank – so I wanted to start fresh with a small bank.
When I heard that Capital One was taking over my local bank, I was nervous. But I decided
to give it a chance. I wasn't really disappointed at all. For the things I needed, very
little changed. The fee for my checking account did get a bit higher (I'd had a great
account without a minimum balance before, but it was converted to a different plan) There
are ATMs everywhere, even when I am traveling so I do like that about Capital One and they
are super easy to talk to on the phone if I have an issue. I'm pleased with them and will
keep them. The Average rating is because my little bank was friendly and easy to work
with. Capital One will never be confused for a little bank, but it is fine.

buckingham 20 Wallet Points Follow

I have had an account with Capital One for almost two decades. This is a trusted name in
the banking industry and I have mostly had only good things to say about them. I will say
that they have not always been clear about interest rate hikes, but that has changed in
the past few years with better regulation. Capital One has been fair, giving me credit
when I needed it. You can expect a lot of fees if you miss a payment or are late with a
payment, but it also encourages you to make sure you pay on time. Also, they have a pretty
good rewards program that I have used once or twice.

frank_papageorgio 60 Wallet Points Follow

Not many people know that Capital One offers online banking products as well as credit
cards. After being a credit card customer for over a decade I kept getting letters in the
mail about their online savings accounts. After looking at the interest rates they were
offering me, I finally decided to bite and open an online savings account with them. If
you are familiar with other services like ING it works very similarly to them. Because
they do not have brick and mortar stores I assume that is how they can offer such a high
interest rate compared to your regular bank. I personally use another bank for my primary
account, but transfer savings to my Capital One account for the additional interest rate.
That way I can still cash a check in person if I need to, but enjoy the benefits of the
higher interest accounts that they offer!

dottommytm 140 Wallet Points Follow

I have been using the Capital One Secured MasterCard for about 5 years now. Signing up for
it was a quite simple process. My credit limit was only 800 dollars at first because it
was my first one and I had no credit established. Since then it has rose about 6 times
over the years, up to 3600 dollars currently. The interest rates are kind of high, but
there is no monthly fee on my plan. I have never experienced any kind of technical
problems with Capital One. However, when you do miss a payment they tack on some pretty
hefty fees. All in all, I am happy with my experience with Capital One and I think that my
credit has been approved while having this card, which was my main reason for getting it.

eztthegreat 70 Wallet Points Follow

The Capital One Secured MasterCard is a wonderful way to help re-build your credit! I had
paid off my entire credit card debit and closed all my accounts thinking that this would
help improve my credit, it did not. In fact, closing all the paid for accounts was a
negative hit against my credit score. I soon learned the value of credit cards, they help
build your credit and part of building your credit is having a credit history with each
lender so closing those accounts did some real damage. I could not get an unsecured credit
card even though I had almost zero debt, after doing some research; I found that this
card, with a $200.00 deposit, was exactly what I needed. Once my credit was getting
better, which you can track on their website, my limits went up and so did my credit
score. I learned a valuable lesson from this experience and I am thankful to Capital One
for offering such a credit saving option.

The Capital One Secured MasterCard really helped rebuild my credit fast! I didn'€™t
understand the importance of keeping a line of credit open, so when I paid off the balance
of my credit card I closed my account. Doing this really damaged my credit score, I
always paid on time and I didn'€™t know that having an open line of credit helps your
credit score. I knew that I couldn'€™t just apply to lots of different credit card
companies because that would damage my credit further so I came across this secured
MasterCard and finally had an answer to my problem. I can'€™t thank Capital One enough
for offering this credit rebuilding card for people like me who haven'€™t made the best
decisions regarding their credit. All you need is a $200.00 deposit and you are on your
way to improving your credit!

chatmon8 10 Wallet Points Follow

I have always been the type of person that pays my bills on time. Unfortunately, I
experienced several life altering events that made it nearly impossible to pay all of my
bills on time. Some of these events were major illness, house fire, inability to locate
full time employment in my field during a tough economy. As a result of all of these
events I had bad credit for the first time in my life. After ten years of having perfect
credit, I could not qualify for almost anything.

After working hard to pay back what I could, there was a light at the end of the tunnel.
That light was the letter I received offering me a chance to rebuild my credit using the
Capital One Platinum Credit Card. As I looked at the letter I thought I may not be
approved, but I still decided to apply. When I found out that I had been approved I felt
like all of my efforts to improve my credit were paying off and that this company believed
in me.

I have thoroughly enjoyed using the Capital One Platinum Credit Card. I use it to pay for
gasoline at the pump. I no longer have to stand in the long lines at the gas station. I
also use it to buy groceries and other household items. I no longer have to take time to
find my cash at the register. I love using the card to pay bills online. It is so much
more convenient than having to pay my bills in person at the store. After paying my bills
on time each month I also received a credit increase. I finally feel like my life is
getting back to normal. Needless to say, I love my Capital One Platinum Credit Card.

buhtellaw 81 Wallet Points Follow

I have positive things to say about Capital One credit cards. I went through a
difficult time financially when my business failed. Frankly, nobody wanted to extend me
credit without exorbitant fees. Capital One issued me a credit card with a decent credit
limit, small annual fee, and competitive rate. I appreciated the ease of the application
process. I received immediate approval, and my card arrived within a few days. Going
through a financial hardship can be a humbling experience. The people at Capital One
treated me with respect. I was provided with an opportunity to rebuild my credit. I
really expected there to be some hidden cost attached to receiving this credit card.
After I received the card and began using it, I found that it was accepted wherever I
needed to use it. There were no hidden fees. Capital One was up front about the small
annual fee that was automatically charged to my card once per year.
Eventually, after rebuilding my credit, I did transfer my balance to a new credit card
that carried a lower interest rate and no annual fees. However, I was never unhappy with
the service that I received from Capital One.

erinmichelle17 10 Wallet Points Follow

I have been using Capital One for just over ten years now, since I was a senior in high
school. I have never encountered any major problems with them or felt the need to switch
over to a different bank. They have always suited my basic needs. Throughout college, I
used their student account (which no longer exists), which was completely free of fees. I
found the overdraft charge to be rather hefty on the couple occasions that it happened to
me, however I had an easy time taking care of it with customer service. I now use the
rewards checking which requires a minimum balance (which the customer service lady failed
to inform me of). Aside from that, I rarely have an issue. Every time I go into a
location, the customer service is super friendly, regardless of where in the states I am.
I also find their online banking to be efficient.

rawfoodbliss 10 Wallet Points Follow

Capital One Bank is the worst I've ever worked with. I personally have worked with 3
other financial institutions and this one is horrible.

First of all, they are not customer geared whatsoever. This bank is definitely only in it
for the money. They are not interested in helping you but are most interested in the
amount of money they can make off of you. They have multiple hidden fees that unless you
read the fine print on every single thing, you are sure to miss.

Their online banking system sucks. Your transactions do not show up right away causing
you to get multiple overdraft fees if you are not using an old fashion check book system.
I would absolutely, positively, not recommend this bank to one person. In fact, I
discourage people all the time from ever using this institution. Do not put your money in
this bank unless you don't mind given a percentage to them on a regular basis. With all
of their fees, they sure do know how to get their "cut" of your finances. My
advice to you...get a local credit union...they will treat you better and you will not
have so many "hidden" fees.

derict93 10 Wallet Points Follow

I have been a customer for Capital One since November of 2011, with the Capital One
PLATINUM Rewards Card. Capital One was my first credit card ever and was also the only
credit card that I applied to that I got approved by since I had no credit history. I have
to say my experience with Capital One thus far has been good. I have accidentally
forgotten to pay before the payment date and I contacted Customer Service to let them know
and such so I paid the day after I was supposed to and they didn't charge me a late fee or
anything. Overall Capital One has been good for me and I recommend it for first time users
such as myself.

brandito 40 Wallet Points Follow

Capital One has been a part of my life for about 7 years now and I have to say that I am
rather unimpressed with them. When I went paperless I had issues with them not sending me
any notifications for when my payment was due. Being a busy person, it was much to my
surprise when I received a phone call from a telephone thug demanding payment on a card
that I didn't even know was overdue. Their care and handling of customers leaves a lot to
be desired. They have, however, been fairly consistent when dealing with unauthorized
charges or multiple charges from merchants.

Jd1942 10 Wallet Points Follow

My experience with Capital One has been excellent in the areas where it counts. I needed a
no fees, no hassles checking account and their basic free checking fit the bill perfectly.
No minimum balance, no monthly fees, they even give me free starter checks periodically so
I don't have to buy them (since I only write 1 check per month). I am always treated with
courtesy, even though my account is of little value to them (like the time I came in to
deposit $4 in assorted coins to keep my account balance positive).

Problem resolution has also been outstanding, thanks to the great manager of my local
branch. When I got 2 overdraft fees because my online banking info was slow to update,
they removed one of the fees for me. Another time when my paycheck arrived late they were
able to delay processing on some bill payments so that my account stayed positive. And
when I had a problem using my debit card for an online merchant the manager was able to
fix it immediately.

The only downsides I can see is that my branch has a small staff, so sometimes there are
long lines. Also, when I set up my account there was a problem with their central computer
system that delayed my account setup by a day.

Oominous 24 Wallet Points Follow

Capital One MasterCard secured credit card is amazing. Aside from any debit card company
that are promptly achieving the success of having more users than credit card companies
because of bad credit, Capital One Secured MasterCard is the perfect choice. Of course,
there are positives and negatives to use any debit/ credit card services. I had terrible
experiences with debit cards in the past. An average debit card can charge you up to
$2.00 for debit transactions and $1.00 for signature transactions, or a mixture of $3 to
$10 in monthly maintenance fees. I noticed that using a debit card was the way I came to
pay attention on how I was wasting my money rapidly and not establishing any credit at
all. I have no credit history, therefore I had to choose from only a few credit cards
that are offered to people with no credit history or with bad credit. I found Capital One
Secured MasterCard to have been a good choice, and it definitely was a great choice. I
made the minimum deposit of $200 using my personal checking account. The Capital One
Secured MasterCard arrived in the mail 2 weeks after my deposit was cleared. From that
time forward, my credit has established, I managed to save more money and I am well over
satisfied with the Capital One Secured MasterCard customer service.