topic Re: Capital one just works in Credit Cards

Capital one just works

Anonymous — Sun, 11 Oct 2015 12:54:02 GMT

It's turned into basically my most dependable card by far. The card just works with no issues. It all started when my amex would frequently get declined for reasons I still aren't sure of. Each time cap1 worked without fail and continues to do so.

Not trying to sell anyone on cap1 but it's nice having a card that just works. I treat it well so it treats me well. They def aren't the crap company they used to be, at least from my experience. I'm sure they can still suck at times but I'm happiest with them by far. Never dreamed I'd be saying that when I look back at cap1 ten years ago.

Re: Capital one just works

Imperfectfuture — Sun, 11 Oct 2015 13:06:29 GMT

Never had an Amex decline, so not sure I agree. Just mho.

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 13:16:03 GMT

I agre with you about how they treat customers. I have never had a card be declined from any of my other lenders. I originally got a card in 2007. I had problems with their online payment system(you had to pay two days before due date) and it caused me nothing but headaches and fees. I closed my account in 2011 . I decided to apply again in October 2014 for the platinum mastercard and was approved. The first time I went online to do a payment it felt like a different company. It is so easy to pay now. I just recently decided I wanted to PC to the Quicksilver and I used the chat. All I asked was could I change my account and they approved me and said to keep using my card until the new card came and I would still receive 1.5% on it. I like that they realized that by making it easier for their customers to pay, rewarding them with CLIs for paying on time, and giving them the card they want, they would get loyalty in return.

Re: Capital one just works

mitchblue — Sun, 11 Oct 2015 13:08:33 GMT

Never had one card declined. So I could say Barclay just works, Chase just works, Discover just works etc..

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 13:15:31 GMT

@mitchblue wrote:
Never had one card declined. So I could say Barclay just works, Chase just works, Discover just works etc..

Same here

Re: Capital one just works

taxi818 — Sun, 11 Oct 2015 13:17:25 GMT

@mitchblue wrote:
Never had one card declined. So I could say Barclay just works, Chase just works, Discover just works etc..

+1. Yep they all work. I still like cap one. My favorite lender. Only thing I've not don is get cash advance with them.

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 13:26:27 GMT

@taxi818 wrote:
@mitchblue wrote:
Never had one card declined. So I could say Barclay just works, Chase just works, Discover just works etc..
+1. Yep they all work. I still like cap one. My favorite lender. Only thing I've not don is get cash advance with them.

I got an accidental cash advance with them. My niece asked me to send 45 dollars via Western Union and I didn't realize that putting it on my credit card would be a cash advance. I got a 10 dollar cash advance fee and 50 cent mininum interest fee. Lesson learned.. read before you click send.

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 13:27:58 GMT

The only time I had had a credit card declined was my WalMart store card (because I thought I had activated in online, but apparently that didn't work). But I have heard a lot of stories about cards getting declined.

Actually, my most embarassing decline moment was in 2009 with my debit card. I was at Best Buy trying to buy a new computer monitor and a graphics card as a birthday gift for my boyfriend. Denied. Denied because I had been to the mall and bought some clothes before I went to Best Buy. Apparently my debit card had a $500 daily purchase limit. SERIOUSLY?! I called the bank and they said they can't change the limit, unless I call before hand to ask them to temporarily raise the limit for 24 hours. So if I am planning a big purchase on Saturday, I would have to call before closing time on Friday and make sure that I make the purchase in under 24 hours. Geeze.

This is why I appreciate cards that "just work". I'm not a huge spender, but if I decide to go buy a new laptop or furniture or something, I just want my card to work. And luckily, I have several cards I can choose from, and I am banking on my Cap One card to work, since this is not the first thread I have seen where someone said that cap one cards "just work" when other lenders decline.

Re: Capital one just works

Imperfectfuture — Sun, 11 Oct 2015 13:33:51 GMT

@mitchblue wrote:
Never had one card declined. So I could say Barclay just works, Chase just works, Discover just works etc..

LOL, Chase did flag a merchant I had been using since January 2015, and now require signature when other cards do not. BUT, they did not decline the transaction.

Re: Capital one just works

SouthJamaica — Sun, 11 Oct 2015 13:58:28 GMT

@Anonymous wrote:
It's turned into basically my most dependable card by far. The card just works with no issues. It all started when my amex would frequently get declined for reasons I still aren't sure of. Each time cap1 worked without fail and continues to do so.

Not trying to sell anyone on cap1 but it's nice having a card that just works. I treat it well so it treats me well. They def aren't the crap company they used to be, at least from my experience. I'm sure they can still suck at times but I'm happiest with them by far. Never dreamed I'd be saying that when I look back at cap1 ten years ago.

All my experiences with Cap One have been positive.

I once had an Amex declined, while I was in the oral surgeon's chair.... the nonsensical reason was a 'fraud alert' due to the fact that I'd changed my mailing address a week or two earlier. (1) Why should an address change create a fraud alert??? (2) If they had a fraud alert, why didn't they call me... instead of letting me learn about it by declining a transaction?

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 14:03:05 GMT

Dare anyone here to take their brand new chase, barclays, citi (Discover...maybe) or amex to tthe bank and get an immediate cash advance from the teller for over 80% util (or any amount off the rip )and see how fast the card shuts down. Yes they work...but capital one has actually changed its ideology to one where the customer and his/her needs actually come first...and as long as the bill is paid...knock yourself out.

Gregg

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 14:08:00 GMT

I wouldn't be up for that dare with any card since cash advance fees are ridiculously high. 80% cash advance? No thank you.

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 14:15:48 GMT

just a point I was trying to make

Re: Capital one just works

kdm31091 — Sun, 11 Oct 2015 14:22:29 GMT

Every lender has their pros and cons. Just because OP hasn't had issues with Cap One doesn't mean other people haven't. For example, try getting a QS1 regular CLI above 5k (combining limits doesn't count). 99% of the time, not going to happen. No matter how great of a customer you are. It just can't and won't happen. You are forced to reapply. If they were "all about the customer", this wouldn't happen! All lenders have their weaker points, and Capital One is no different.

As far as the cash advance I'd be more worried about why I need 80% cash advances vs whether Capital One would let me.

Re: Capital one just works

UncleB — Sun, 11 Oct 2015 14:27:18 GMT

@Anonymous wrote:
Dare anyone here to take their brand new chase, barclays, citi (Discover...maybe) or amex to tthe bank and get an immediate cash advance from the teller for over 80% util (or any amount off the rip )and see how fast the card shuts down. Yes they work...but capital one has actually changed its ideology to one where the customer and his/her needs actually come first...and as long as the bill is paid...knock yourself out.

Gregg

Agreed.

For several years, I kept my Capital One card at 90% of the credit line, just making minimum payments. I know, not smart, but they never took adverse action against me. I made my payment on time, and they never missed a beat. Eventually I got wise and learned about cash rewards (thankfully) but I'm glad they were patient with my habits before.

Sometimes I keep weird hours and especially during the holidays I prefer to shop in the 'wee' hours. Other cards have flagged a few times as 'fraud' due to the time of day, being away from home, or higher than usual dollar amounts - but my trusty old Capital One always works, day or night (or middle of the night).

They don't care if I make purchases across the state line, local purchases, and international online purchases - all in the same day, even. I could probably get my other cards to work satisfactorily like this with a few phone calls (and I have), but with Capital One I don't have to bother... it just works.

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 14:40:15 GMT

@kdm31091 wrote:
Every lender has their pros and cons. Just because OP hasn't had issues with Cap One doesn't mean other people haven't. For example, try getting a QS1 regular CLI above 5k (combining limits doesn't count). 99% of the time, not going to happen. No matter how great of a customer you are. It just can't and won't happen. You are forced to reapply. If they were "all about the customer", this wouldn't happen! All lenders have their weaker points, and Capital One is no different.

As far as the cash advance I'd be more worried about why I need 80% cash advances vs whether Capital One would let me.

I have a $5,500 QS1, which was obtained without combining limits. Am I a unicorn? That would be cool!

Re: Capital one just works

Anonymous — Sun, 11 Oct 2015 14:42:55 GMT

Hey...I love unicorns

Re: Capital one just works

kdm31091 — Sun, 11 Oct 2015 14:52:52 GMT

@Anonymous wrote:
@kdm31091 wrote:
Every lender has their pros and cons. Just because OP hasn't had issues with Cap One doesn't mean other people haven't. For example, try getting a QS1 regular CLI above 5k (combining limits doesn't count). 99% of the time, not going to happen. No matter how great of a customer you are. It just can't and won't happen. You are forced to reapply. If they were "all about the customer", this wouldn't happen! All lenders have their weaker points, and Capital One is no different.

As far as the cash advance I'd be more worried about why I need 80% cash advances vs whether Capital One would let me.
I have a $5,500 QS1, which was obtained without combining limits. Am I a unicorn? That would be cool!

You're about as rare as a unicorn!

Perhaps instead of QS1 I should have said the Platinum lol, but the point is, some of their cards simply do not allow growth no matter how fantastic of a customer one is. And that's fine -- you have to start somewhere. But my point is that they have their downsides.

Re: Capital one just works

Imperfectfuture — Sun, 11 Oct 2015 14:56:53 GMT

@Anonymous wrote:
I wouldn't be up for that dare with any card since cash advance fees are ridiculously high. 80% cash advance? No thank you.

And I did that prior to the credit meltdown. Point? If need cash advance, maybe close a few cards, get credit counseling help, and budget with debit cards for five years.

Re: Capital one just works

Imperfectfuture — Sun, 11 Oct 2015 14:58:55 GMT

@kdm31091 wrote:
Every lender has their pros and cons. Just because OP hasn't had issues with Cap One doesn't mean other people haven't. For example, try getting a QS1 regular CLI above 5k (combining limits doesn't count). 99% of the time, not going to happen. No matter how great of a customer you are. It just can't and won't happen. You are forced to reapply. If they were "all about the customer", this wouldn't happen! All lenders have their weaker points, and Capital One is no different.

As far as the cash advance I'd be more worried about why I need 80% cash advances vs whether Capital One would let me.

Again agree, as that led to the credit bubble bust (along with home refinancing as panacea to get whatever you "WANTED" at the moment).