Excellent value. 1% cash back and an annual £10 reward. If you pay off the balance each month, you get a nice bonus in January, just at the time of year that a little more spending power is welcome.
Package includes excellent security to protect against any misuse of the card. Customer services will call if they spot unusual spending patterns. Excellent service.
Nothing much to say on this one unfortunately, yes it is a high apr, but that is due to credit rating. Payments etc all made on time so we are not hit with the high charges, and the card used just to keep it active and maintain/improve credit ratings.
Only negative, is that they don't seem ro review card/increase limit very often, although again, that could be due to lack of credit on our side
Deposit paid to car hire company in Scotland which went bust. Informed Capital One who promised to send necessary forms to claim refund. Nothing received after two weeks. tried again and received the assurance that necessary forms would be sent. Again nothing received after a further two weeks.
As advised by FCA sent letter of complaint. Capital One replied that it could be up to four weeks to respond due to the high number of complaints that they were receiving - no surprise there!
Eventually refund was made but as yet no explanation or apology has been received.
Not the cheapest card but definitely not the most expensive either. If you can repay in full each month of course then the interest rate doesn't really matter. The staff have always been very helpful and friendly. One year I needed to have a temporary increase to my credit limit as I was travelling abroad and needed enough to make a deposit when hiring a car.
The on line access is simple and secure and the site is easy to navigate. All transactions are shown, even those pending so that you can keep up to date. All bills can be accessed quickly and easily and there is a facility for a hard copy if required.
The bill is taken by direct debit and ample notification is given of the amount and due date.
Contact is made by a secure message system to ensure that all communication is kept private.
The log in for the website is easy and varied to prevent fraud.
Cashback on all purchases
sometimes debit is taken a couple of days earlier than expected