topic Re: Is Capital One Cash is good cc? in Credit Cards

Is Capital One Cash is good cc?

stone — Wed, 18 Apr 2012 10:15:14 GMT

I really need a cc that do not have foreign fee and also no annual fee. And capital one cash is the only cc i found match that. but also i really do not like capital one bank.

Re: Is Capital One Cash is good cc?

Burned2manybridgesB4 — Wed, 18 Apr 2012 13:00:50 GMT

When you start making them realize that they're going to wind up paying you to have the card (no joke...no balance ever carried), they kinda slow down their payment postings...lol.

Re: Is Capital One Cash is good cc?

visorboy1974 — Wed, 18 Apr 2012 13:04:23 GMT

@Burned2manybridgesB4 wrote:
When you start making them realize that they're going to wind up paying you to have the card (no joke...no balance ever carried), they kinda slow down their payment postings...lol.

They still make money off you every time you swipe the card.

Re: Is Capital One Cash is good cc?

clocktick — Wed, 18 Apr 2012 21:05:18 GMT

Burned2manybridgesB4 wrote:

When you start making them realize that they're going to wind up paying you to have the card (no joke...no balance ever carried), they kinda slow down their payment postings...lol.

Not true. I'm sure there are legitimate reasons, in their eyes, why some people's payments are slower to process than others.

Re: Is Capital One Cash is good cc?

Burned2manybridgesB4 — Wed, 18 Apr 2012 13:11:14 GMT

Yeah, they take their change per swipe, but I'm hurting them a little more than their merchant fees, in ratio comparision.

Re: Is Capital One Cash is good cc?

Anonymous — Wed, 18 Apr 2012 14:11:59 GMT

Technically they make money off of the merchant, not you.

Re: Is Capital One Cash is good cc?

Burned2manybridgesB4 — Wed, 18 Apr 2012 14:37:16 GMT

Correct, but what I'm taking from cap outweighs what they're getting from the merch, from my "swipe."

Re: Is Capital One Cash is good cc?

Anonymous — Wed, 18 Apr 2012 14:58:54 GMT

Back to the OP's question. I don't like Cap One for two reasons. CLI's are ridiculously hard to come by. Their customer service is terrible. One plus is that some of their cards have no foreign transaction fees.

Re: Is Capital One Cash is good cc?

Anonymous — Wed, 18 Apr 2012 15:26:43 GMT

@Anonymous wrote:
Back to the OP's question. I don't like Cap One for two reasons. CLI's are ridiculously hard to come by. Their customer service is terrible. One plus is that some of their cards have no foreign transaction fees.

If you can tolerate Peggy and her horrible grammar - Cap1 isn't too bad BUT to avoid disappointment, plan on whatever credit limit you get to stay that way for the duration of your relationship with them.

Re: Is Capital One Cash is good cc?

Anonymous — Wed, 18 Apr 2012 17:02:16 GMT

@stone wrote:
I really need a cc that do not have foreign fee and also no annual fee. And capital one cash is the only cc i found match that. but also i really do not like capital one bank.

If you really don't like Capital One, why woud you do business with them?

Re: Is Capital One Cash is good cc?

clocktick — Wed, 18 Apr 2012 21:05:52 GMT

It seems most of the cards that have 0% forex fees have an AF. Well, Discover doesn't (and some others) but this is why I keep my Cap One card around. What don't you like about them? I only use mine for foreign travel, which isn't often. Therefore, I don't have to talk to them nor ask for CLIs (seems to be people's 2 biggest complaints).