Capital One Credit Card Review 4 reviews

Capital One classic

Capital One Credit Card Review

Looking to improve your credit rating then get a Capital one classic credit card. This is ideal as a first credit card or an option to increase your credit rating.

Capital one reserves the right to withdraw this offer at any time. This offer is only available to new customers. You will be required to use a PIN with this credit card in order to pay for goods and services over the counter in shops and other outlets.

Who can apply for this credit card?

You must be over 18, a UK resident and have a landline phone number to get a Capital One Classic MasterCard credit card. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legals, terms and conditions.

What benefits do you get with your Credit Card?

There are two apr tariffs offered by Capital One the classic credit card is design for people who are new to credit, a student looking for their first card, new to the country, or have had problems with credit in the past.

    • Strengthen credit rating
    • Safer shopping with Fraud Protection including Chip and PIN and monitoring your account for unusual spending
    • Up to 3 additional card holders on one account
    • Choose your capital one card – several designs
    • Identity Protection Service – advice about protecting yourself from identity theft
    • Convenient online account management
    • Pay bills online
    • 24 hour helpline

What are the default charges?

  • Late payment fee: £12
  • Over credit limit: £12
  • Returned payment: £12

What is the minimum payment each month?

1% or £5, whichever is greater. If you only make the minimum payment it will take longer and cost you more to clear your balance. You can avoid additional charges by staying within your credit limit and ensure that your payments are received on time.

What is my credit limit?

They will choose your credit limit and tell you what it is. They may vary it at any time and write to let you know. The minimum credit limit that you can have under this agreement is £200. The credit limit may be increased after four months if you manage your account responsibly.

Where do I make a complaint?

If you would like to make a complaint about your Capital One credit card, you can write to them at The Manager, Executive Office, Capital One Bank ( Europe ) plc, PO Box 5281 , Nottingham NG2 3HX. They have procedures in place which will make sure they handle your complaint fairly and quickly. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

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Reviews Displaying 4 reviews

Ian January 26, 2011

Application process
Fees & charges
Functions & features
Customer service
Reliability

capital one bank is a best customer services!

Shanelle Myers March 16, 2011

Application process
Fees & charges
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I have personally used this card.The only complaint i have is that to get an increase takes a little more time than most. Other than that everything else is good.

Martin February 5, 2012

Application process
Fees & charges
Functions & features
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Reliability

Good company, reliable and have a good website to manage your account.

Rates are OK but the approval process for increasing your credit limit is awful, they review your account every “few” months, if you start with a low credit limit this will take a long time to get up to something useful.

Linda August 10, 2012

Application process
Fees & charges
Functions & features
Customer service
Reliability

Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while building credit and pr-estimate future scores for different scenarios of payments

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