Capital One
No reward for loyalty. I have had this account over 10 years and I can't get a credit line increase or decrease in interest rate.
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Product: Capital One Credit Cards
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Capital One
Capital One is a diversified bank that offers a broad array of financial products and services to consumers, small businesses and commercial clients. A fortune 500 company, Capital One has one of the most widely recognized brands in America. As one of the nation's top 10 largest banks based on deposits, Capital One serves banking customers through branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the District of Columbia.
Ranked #145 on the Fortune 500 and serving approximately 45 million customer accounts, Capital One trades on the New York Stock Exchange under the symbol "COF" and is included in the S&P 100 index.
Capital One Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/24/2020.
3.7
69,167 reviews
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Capital One
Made payments on time and my credit scores went way down! I don’t understand why?
Can someone explain why, I paid it a week before the due date
Can someone explain why, I paid it a week before the due date
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Product: Capital One Credit Cards
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Capital One
Great card. I’ve had it about two years, and find the Capital One app to be accurate and functional. Customer service has been exceptional, both times I’ve had to call
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Product: Capital One Credit Cards
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Capital One
BEWARE! I’m a new customer. I switched from American Express to the Capital One Travel card specifically for the travel rewards program. I’m retired now and want to save on travel expenses. My first experience has been so unsatisfactory I felt I must post a review to warn people considering this card. Capital One would not refund me for plane tickets cancelled during the COVID-19 government shutdown; however; the merchant was FULLY refunded! I contacted American Airlines and they kindly provided a copy of both refunded tickets and neither the merchant nor Capital One would credit my account. still wouldn’t credit me. I paid twice for tickets I never used. I got this card specifically for travel and all I do since March is wait on hold for hours, sent documents repeatedly and can’t get reimbursement. I provided undeniable proof: airline documentation of full refund to the merchant because the resort and borders were closed. During this pandemic when we are all struggling financially; I’m devastated by their lack of support to their customers.
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Product: Capital One Credit Cards
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Capital One
Always receive excellent customer service and great rewards. Definitely my favorite card on all occasions. Can be used anywhere. Pp
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Product: Capital One Credit Cards
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Capital One
So recently Capital One Bank sent me a letter informing me of updates pertaining to my account in the further. Upon analyzing the information, I was able to gain basic comprehension of the information being presented. In summary, Capital One was informing me that they were altering their billing cycles to reflect a new floating 25 day period cycle. Meaning that counting back 25 day from your upcoming due date will allow you to determine your statement date. With a solid understanding of the letter, I called the Capital One customer service line to gain clarity and confirmation regarding my comprehension of the new policy. To my surprise, as I questioned the representative about the new billing cycle terms. The representative was not able to reticulate the correct way in determining the end cycle date. After placing me on a brief hold, the representative reassured me that she had spoken to a superior and gained knowledge on how to calculate the appropriate cycle date. After a short conversation, we were bad to agree that my interpretation of the terms were correct and should not have a problem moving forward, also adding that the new terms would not take effect until 2021. Unfortunately, the information that was provided was incorrect. After confirming my interpretation of the terms with the representative, I found that my statement information for this month had changed. Upon investigation, I contacted the Capital One customer Service line to get a understanding of what has happened. After conversing with the representative, it was determined that the previous representative has provided me with the wrong information. As a result based on the information that I was given, I began using my card in the belief that I was beyond my statement date and a 0 balance would reflect based on my understanding of how credit cards work. Essentially, the misguided information from the representative has proven to be a detriment to my credit report. As a result, I contacted the customer service line at Capital One to gain clarity on my particular situation. Upon conversing with the representative, I found that again the representative was unable to calculate the appropriate bill cycle date. Following the trend I decided to extend my investigation further to see if any of the representative were able to correctly demonstrate the correct way in calculating the right statement date based on the new terms they have sent us. I used this approach, because the statement dates are not posted for the current billing cycle and if they representative are not able to articulate the correct way to interpret the terms then how are the customers able to do so? Sadly after speaking with 4 other representative none of them were able to demonstrate or articulate the correct day in calculating the correct billing cycle end date. Ultimately, the only way we were able to come to the correct date was to use the billing cycle that had pasted resulting in the decline in my credit score do to receiving false information. To make matters even worst, upon calling a forth time both of the representatives who responded too my call also were not able to calculate the bill cycle date correctly. In the end, I can not fully grasp that is more upsetting. The fact that I was lead astray by a company that I have should 5 years of loyalty to with out missing a payment, or the shear fact that even when I take the correct steps in gaining a better understanding of how to use them effectively their own employs are incompetent on terms they enforce.
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Product: Capital One Credit Cards
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Capital One
The application process what easy - that's why I'm giving them 2 stars instead of 1. About a month after opening the account it was frozen. When I called to investigate, I found out that they suspected fraud. I was told that I needed to submit copies of my driver's license, Social Security card, and proof of residence. What!?!? I can create a credit card account by simply filling out an online form, but to find out what activity they considered fraudulent or have the account unfrozen I needed to submit all of this additional documentation? That means fishy to me. The only way I can make sense of it is to assume that Capitol One hooks customers with an easy application, freezes the account citing suspected fraudulent activity, and then requires the customer to jump through whatever hoops they desire in order to have the account unlocked. I hope this isn't what Capital One is doing. But, If it is, It is completely unethical. And if there isn't any suspected fraudulent activity, it's illegal. Sorry, Capital One; I'm not sticking around to find out.
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Product: Capital One Credit Cards
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Oh, and I forgot to add that my credit score dropped 53 points. Should Capital One be able to influence my score negatively for not providing personal information that wasn't required when I opened the account? I think not!
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Capital One
IF YOU GET SCAMMED IT'S YOU ON TRAIL! I have been with Capital One banking for years and a couple years ago added a credit card. I was stupid one day and approved a purchase from an online ad that was a scam. WITHIN 30 MINUTES I called Capital One and BEGGED then to stop the charge. I knew it was a scam. They would do nothing and made me wait 30 days to open a dispute. After the dispute was closed and credited back they put the charge back on my account and are now asking for loads of documentation and time spent from me. I have 6 hours spent on this already and have been in tears. I am now going through the hassle of closing all my personal and business banking and credit cards with them because the horrific treatment received. It is the most insulting treatment of my life I have received as a customer. I did everything right and nothing wrong. Still out $134 and they lost a long term customer who never disputed a charge over this scam. By the way if they just google the vendor with the word scam they can see it's a scam.
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Product: Capital One Credit Cards
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Capital One
BEWARE - I have had this card for close to 1 year. I've always paid my balance on time/usually in full. They requested documentation to verify my corporation which I sent in as requested. I also uploaded federal and state documentation which proves my corporation is valid and active.
One person within their Spark Elite department (yes ONE person) has put a restriction on my account and no representative can find that person or tell me what the restriction is for. There are no notes on my account specifying what the question is - so ONE person within their organization has disrupted my business and this ONE person cannot be located or reached by any representative. BE CAREFUL!!
One person within their Spark Elite department (yes ONE person) has put a restriction on my account and no representative can find that person or tell me what the restriction is for. There are no notes on my account specifying what the question is - so ONE person within their organization has disrupted my business and this ONE person cannot be located or reached by any representative. BE CAREFUL!!
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Product: Capital One Credit Cards
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Capital One
I love Capitol One. I've been using them for car loans for a long time. They always work with me when I am struggling. Their credit cards are great too.
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Product: Capital One Car Loans
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+297930 users submitted a rating without writing a full review
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Capital One Q&A (1427 questions)
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How can I pay my Walmart Credit Card bill?
16
UpvotesReply
KEYAIRA SUTTON
@keykey
You can make a Walmart credit card payment online, over the phone, by mail, in person at a Walmart location, or via the Capital One app. To pay online or through the Capital One mobile app, simply log in to your account and click “Make a Payment.” Then, fill in the amount you want to pay – you can choose your last statement balance, current balance, minimum payment, or a custom amount – and click “Continue.” On the next screen, you can choose the date you want to pay and which checking account to pay from. Finally, click “Submit Payment.”
To pay your Walmart credit card bill over the phone, call 877-383-4802 (or the number on the back of your credit card) and enter the last 4 digits of your credit card number. The automated system will give a menu of options – choose “make a payment.” After that, the system will guide you through the payment process.
If you would rather mail in a Walmart credit card payment, mail a check and the payment coupon from your monthly statement to the address on the coupon. The address is: Walmart Credit Card/Capital One, Attn: Payment Processing, PO Box 71083, Charlotte, NC 28272-1083.
Payments can also be made in any Walmart location at the customer service desk or with a cashier. You'll need to bring the payment coupon from your credit card statement, along with the Walmart credit card itself. Similarly, if you're a Sam's Club member, you can make a Walmart credit card payment at any Sam's Club location at the customer service desk or with a cashier. Payments made in the store post within 48 hours.
Is Capital One CreditWise good?
8
UpvotesReply
JOSEPH BULEBUSH
@joeybule
Capital One CreditWise is good because it's a free way to check your credit score anytime. It will also send you email alerts when there's important activity on your credit report, such as a hard credit inquiry or a new credit card account. Plus, it's available to everyone who signs up on the CreditWise website, not just Capital One customers. The credit score you get is the VantageScore 3.0 model, based on your TransUnion credit report.
Many credit card issuers – including American Express, Discover, and Barclaycard – have added free credit tracking services that send your credit score once a month or a week, like Capital One. But CreditWise goes beyond that and not only alerts you to new credit activity, it also provides a lot of information on what affects your score, as well as easy ways you can improve it.
For example, CreditWise offers a credit score simulator, with which you can see how decisions like paying off abalance, opening a new credit card, or making a late payment could affect your credit.
CreditWise has 6 different sections on what factors are affecting your credit score. The sections can be found on the CreditWise dashboard and include on-time payments, your available credit, how much of your available credit you're using, your oldest credit line, new accounts from the past 2 years, and recent inquiries.
You'll receive a score in each of the sections – “below average,” “average,” “good,” or “excellent.” And CreditWise tells you how much each section impacts your overall score. For instance, “On-time Payments” has the greatest impact on your score, while “Available Credit” has the least impact. There's also a “Score Improvement” section where you can find personalized suggestions for improving your credit score.
The biggest downside to Capital One CreditWise is that it only updates once a week. You can find services that send you daily updates, along with a lot of the same information CreditWise provides. Regardless of which credit score site you choose, staying aware of your credit score is a necessity.
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How do you check for Capital One pre-approval?
17
UpvotesReply
WalletHub
@WalletHub
You can easily check for Capital One pre-approval online. To start, enter your name, date of birth, Social Security number and address. Then, tell Capital One what kind of card you're looking for and click “See Your Card Offers.” Capital One will then show you which of their cards you seem to be a good fit for, based on a soft pull of your credit. The process should take minutes at most, and it won't affect your credit score.
You may also receive a Capital One pre approval offer by mail. In that case, all you have to do is enter the “Reservation Number” and “Access Code” here to get to the card's application. The application will be flagged as pre-approved when Capital One reviews it.
If you don't have an offer yet, don't worry. Checking online is quick and easy. Just remember that pre-approval doesn't mean guaranteed approval. It is about as close as you can get, though, considering that most people who are pre-approved get approved when they officially apply.
Here's how to check for Capital One pre approval online:
- Go to the Capital One pre approval page.
- Enter your name, date of birth, Social Security number and address.
- Select the type of card that appeals to you most: travel rewards, cash back or low interest (or select “not sure”).
- Rate your credit level: excellent, average or rebuilding.
- Check the box that indicates you know you're not submitting an actual credit card application.
- Click “See Your Card Offers”.
After a few seconds, you should see the Capital One credit cards that you're pre-approved for, if any. And you'll be able to apply for one of them right away, if you wish. Capital One offers credit cards to people of all credit levels. So the odds are good that you'll come away with at least one Capital One pre-approved credit card offer.
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How can I reach the Walmart Credit Card customer service?
25
UpvotesReply
alicia Kane
@Alicia_K
The Walmart credit card phone number is 1-877-294-7880. Representatives are available 24 hours a day, seven days a week.
You can also pay your Walmart credit card by phone. This service is free if you use the automated payment method. If you choose to have a representative assist you with your bill payment, a $10 (ten dollars) service charge will apply.
Here are the phone numbers for card payments:
Walmart Credit Card: 1-877-294-7880
Walmart MasterCard: 1-866-611-1148
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What's the Capital One credit card payment address?
1
UpvoteReply
William Drake
@will_drake
The Capital One payment address is:
Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083
OVERNIGHT ADDRESS
Capital One
Attn: Payment Processing
6125 Lakeview Rd
Suite 800
Charlotte, NC 28269
Considering that mailing a check can take a few days, plan accordingly to make sure they get your payment on time.