topic Re: Pleased with Capital One! in Credit Cards

Pleased with Capital One!

IcEWoLF — Sat, 20 Dec 2014 00:30:36 GMT

Received my card yesterday, I am pleased with their services, their online site is actually really nice and their mobile app is awesome. I find their site very easy to navigate compared to Citibank/chase.

Also its a nice perk that they throw in is real time credit monitoring via transunion and you get your credit score and all, it also shows how much available credit you have between all your cards. This means I no longer really need the costco identity guard really...gonna save me $10 a month!

I was a bit skeptical about Cap1 and the fact they do three pulls but now looking at it I feel super confident about building a relationship with them in the future.

I think other banks should definitely take a page out of Cap1 Mobile app, one of the best apps I've used out of all of them!

Re: Pleased with Capital One!

Anonymous — Sat, 20 Dec 2014 00:36:13 GMT

Their credit monitoring is no better than credit karma.

In fact. Go take a look at both.....Real close...

Re: Pleased with Capital One!

Anonymous — Sat, 20 Dec 2014 00:37:30 GMT

@IcEWoLF wrote:
I find their site very easy to navigate compared to chase - Agree to disagree

Also its a nice perk that they throw in is real time credit monitoring via transunion and you get your credit score and all - FAKO score, pretty useless

I think other banks should definitely take a page out of Cap1 Mobile app, one of the best apps I've used out of all of them! - Really wondering what apps you've used in comparison, to each their own I suppose

Its nice that you're pleased overall

Re: Pleased with Capital One!

CreditCuriosity — Sat, 20 Dec 2014 00:38:49 GMT

If you would of applied for Cap1 say a year ago or two you would be cursing them out now.. Their online app is decent I agree, but wait until you get to deal with the CSR's.. Learn to like the answer "NO". Anyways, you have a nice limit and if you don't have to deal with the CSR's and are happy with that limit then they will suit you well!

Re: Pleased with Capital One!

Anonymous — Sat, 20 Dec 2014 00:39:53 GMT

Lol....they sure do love to say no.

CapitalOne is all about self service.

Re: Pleased with Capital One!

joeyoey — Sat, 20 Dec 2014 01:35:46 GMT

I think I'm the exception but I have to say the few times I've had to call Cap One they've been very helpful. I tried to get them to waive an AF a few months ago & they shot that down pretty quick but every other time I've had no complaints & they've been very generous with my limits so far (well, for someone who's still pretty new to rebuilding).

Re: Pleased with Capital One!

IcEWoLF — Sat, 20 Dec 2014 01:59:39 GMT

I've used boa/chase/Barclay apps and I feel their app is one of the best in the business along Discover and Amex mobile app. Citi bank is total garbage...Fnbo is alright.

Just posting my positive experience folks...i haven't had to contact their reps and rarely ever do for any of my accounts.

Re: Pleased with Capital One!

CreditCuriosity — Sat, 20 Dec 2014 02:10:46 GMT

No I commend you for posting a postive experience.. Please don't call there front line CSR or it will bitter you.. Enjoy a very good CC though .. Can't really beat the rewards other then possible Citi DC or Fidelity Amex.. No Hassles at all w/reward structure.

Re: Pleased with Capital One!

wacdenney — Sat, 20 Dec 2014 03:14:45 GMT

@IcEWoLF wrote:
Received my card yesterday, I am pleased with their services, their online site is actually really nice and their mobile app is awesome. I find their site very easy to navigate compared to Citibank/chase.

Also its a nice perk that they throw in is real time credit monitoring via transunion and you get your credit score and all, it also shows how much available credit you have between all your cards. This means I no longer really need the costco identity guard really...gonna save me $10 a month!

I was a bit skeptical about Cap1 and the fact they do three pulls but now looking at it I feel super confident about building a relationship with them in the future.

I think other banks should definitely take a page out of Cap1 Mobile app, one of the best apps I've used out of all of them!

Their online interface is really good. They want as much self service as possible because they don't want to have to talk to you.

The "Credit Tracker" service is a joke. It is exactly the same as Credit Karma's service. You could have saved your $10 whenever you wanted to simply by signing up for CK. The score is FAKO so it's basically useless.

Three pulls is ridiculous but understandable for a sub-prime lender to want to ding you as hard as possible and get all the info possible. Their tarket is the sub-prime market where risk is obviously higher.

Crapital One doesn't give a rip about the relationship you percieve to have with them. They are NOT a relationship bank at all. Don't kid yourself, you are not developing a relationship. You are an account number and they couldn't care less.

I don't use the mobile apps, but I wouldn't be surprised if Crap1's is indeed quite good. Here again anything they can do to avoid providing you with customer service, they will do it. A good app means less people calling in and fewer script readers they have to pay.

Re: Pleased with Capital One!

NRB525 — Sat, 20 Dec 2014 03:16:35 GMT

@IcEWoLF wrote:
I've used boa/chase/Barclay apps and I feel their app is one of the best in the business along Discover and Amex mobile app. Citi bank is total garbage...Fnbo is alright.

Just posting my positive experience folks...i haven't had to contact their reps and rarely ever do for any of my accounts.

I'm going to cast a positive vote for CapOne. I see lots of people posting on this forum, and their first non-store card is often a secured Capital One card. That's an important step for those folks establishing credit. I've had one since 2003, and no issues, a reasonable interest rate.

Re: Pleased with Capital One!

kdm31091 — Sat, 20 Dec 2014 03:40:54 GMT

Really we are all just account numbers to any issuer not just capital one. Don't kid yourself. I think capital ones app and website are very well designed and the rewards are the least hassle with the easiest redemption ive seen.

On the negative side yes their csrs love to say no!

Re: Pleased with Capital One!

Anonymous — Sat, 20 Dec 2014 04:54:35 GMT

Count me in as another person who has had nothing but positive experiences with Capital One. First of all, I completely agree with you. As much as I love Chase and Barclays, Capital One has the best mobile and online website. Chase's is ugly, and Barclays' (although attractive) doesn't look like it has as many features as Capital One's. Second of all, Capital One was the first lender to give me an unsecured card ($3000) limit. And then, after only one month, the awesome CSR I talked to converted my Platinum card to a no AF Quicksilver card and all I was trying to do was ask to see if it was even possible!

Come to think of it, the only lender that I've ever had problems with is Wells Fargo. I hear wrong information from literally about 9/10 CSRs I talk to on the phone.

Re: Pleased with Capital One!

Jeff532003 — Sat, 20 Dec 2014 05:15:02 GMT

I'm another fan of capital one. They've treated me very well. I've never even had to deal with the frontline csr because they give me auto CLI quite regularly. The trick with them is max it out then pay it off and repeat. They love heavy users but not ones who run a balance. They're business model seems to be based on those swipe fees more than interest. My quicksilver is my go to card. Love the 1.5% back on everything. So easy to use. I will be closing my 3 year old cao one secured at some point and might try and PC but I heard they refuse on the secured cards. If they do its no lose. They gave me that card when no one else would even consider me so I'm grateful for that.

Re: Pleased with Capital One!

SunriseEarth — Sat, 20 Dec 2014 05:28:00 GMT

@IcEWoLF wrote:
I've used boa/chase/Barclay apps and I feel their app is one of the best in the business along Discover and Amex mobile app. Citi bank is total garbage...Fnbo is alright.

Just posting my positive experience folks...i haven't had to contact their reps and rarely ever do for any of my accounts.

+1. Merrick Bank has a better mobile app than Citi. Ugh. But yes, Cap One is a very good app, especially in terms of functionality. AMEX looks better, but Cap One is a good one.

Re: Pleased with Capital One!

Anonymous — Sat, 20 Dec 2014 05:28:01 GMT

@kdm31091 wrote:
Really we are all just account numbers to any issuer not just capital one. Don't kid yourself. I think capital ones app and website are very well designed and the rewards are the least hassle with the easiest redemption ive seen.

On the negative side yes their csrs love to say no!

That's it in a nutshell. All these financial insitutions would leave us by the side the the road, naked and shivering, should we not have any coin to put in their coffers. It's a cold, cold world out there and there is no love lost on either side.

That's the fun in this game. Jump across the alligators' backs and make it to the other side of the river without getting bitten. Everyone once and a while you'll see someone getting eaten alive.

Cap 1 is as good as the rest of the heathens. Their online interface is quite user friendly.

Re: Pleased with Capital One!

IllinoisNative — Sat, 20 Dec 2014 05:52:49 GMT

I'm another fan of Capital One. They have never done me wrong. They were very helpful when my card was stolen, etc. I work for a LARGE prime bank...and don't kid yourself...you're just a number to them, too. Bank's aren't in the business of making relationships with you unless they are making money. Capital One is no different than BoA, Chase, Discover, etc. Trust me.

Re: Pleased with Capital One!

Anonymous — Sat, 20 Dec 2014 06:29:36 GMT

Add me to the list of Capital One fans! The company has been really good to me and the Quicksilver card is def. one of my favorite cards. I like that none of their cards have foreign transaction fees. Another perk with Capital One is that they are pretty straight forward and like others have said promote self service. I got a credit line increase via their form online and I like how the form answered all my questions before I clicked "submit" (like wondering if a credit report will be pulled or not).