![]() I did not use the card enough! I don't use the card enough because it does not have the credit line I need to charge what I want! After a year of using it and paying perfectly, I applied for an increase. They are an incompetent bank with a chaotic system of people that have no clue about banking, what’s going on in their own bank, and extremely poor customer service, in my opinion.Ĭredit cards: They gave me an initial 1,000 card. I asked them If I deposit the money directly into a Cap One bank, how long would it take to clear? The account supervisor at Capital One said, “only one day.” But when I deposited it at their bank teller, they gave me a receipt and it said, “1-2 days!" That would screw up my plans to use the card the next day on something urgent. After all this, I told them to cancel the whole electronic transfer. Then Cap One said I should investigate and Said I have to go to my bank and get a letter saying there was no transfer - really? I have to. I called my bank which had the funds that were going to be transferred in my checking account, and they said no attempt was ever made to transfer money out to Capital One at any time by Capital One bank or online banking or by anyone. Said account number or/and routing wrong. Who's wrong the 1st rep that said a day or this one that says a week? Then I looked on THEIR website, and it said on the last day of that week, returned check, incorrect account numbers. I called them to clarify: now they said now it takes a week?” - Really. Even though that electronic transfer paid off the entire balance. No other notification from them to notify me that I did not receive credit to my card and that my credit line was still frozen because over the limit. All exchange rates are posted on the web and easily accessed. EVERY PENNY adds up!!! This I would also say is a financial gain and again fraud on capital one credit cards side. They also do not charge the proper rate of exchange for UK transactions and overcharge for them which costs me more in interest rates as well. I have been on and off the phone with them for almost 4 hours because they keep hanging up on me. Capital one Credit card companies should not have the power to tell me who I owe money to outside of what I owe the credit card company. This is a transaction that is fraud since I do not owe them this money that they took. I have had fraud before and Capital one shut my card down and reversed the charges immediately. Here is the definition of fraud: wrongful or criminal deception intended to result in financial or personal gain: this also encompasses capital one because they are profiting from this. 50,000 bonus miles after spending $4,500 in first 3 months.*.$500 bonus after spending $4,500 in first 3 months*.$150 bonus after spending $500 in first 3 months*.$300 bonus after spending $3,000 in first 3 months*.$200 bonus after spending $500 in first 3 months*.20,000 bonus miles after spending $500 in first 3 months*.50,000 bonus miles after spending $3k in first 3 months*.Capital One issues personal and small business credit cards that earn rewards and come with other perks and benefits, including 0% introductory APR periods and fraud liability protection.
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