Capital One

Did not like them

Had a secured credit card with them. Don't get Capital One if you want a secured card. They will not refund any money unless you close the card. So if you deposit 1k, which is then your credit limit, you can't come back later and request a 500 Dollar refund. I did not want to have a lot of money tied up so I wanted 50% of the deposit back. Of course that also means your credit limit is 50% less, but that was ok. Would not do it. Had to close the account. Despite the fact that I had been with them for 2 years, my credit score was not that low ( 710 ) and still would not even convert the card to a regular credit card. Nobody wants to have thousands of Dollars tied up and not even get any interests on it. there's no reason why they can not lower your limit and refund the deposit accordingly. Even turned me down for a checking account with my 710 score. What you need? 850? Just makes no sense. I left the bank then.

That they outsource to India was good for me, because they are clueless then. Lived in Tx but needed to have my mailing address changed to OH. Someone else gave me a hard time and thought I was a scam/fraud. Yes, nobody in the U.S. has a mailing address in a different state, because nobody travels. Everybody knows this. Every bank knows this. So you are a fraud. (sarcasm off ).

Of course no Indian will know what OH is or where it is. Could change my mailing address without problems.

Trust Score

1.4

User’s Review Ratings

Overall

So far so good

Made the change from TD to Capital One. So far so good! They have everything I need and no surprise charges.

Trust Score

2.4

User’s Review Ratings

Overall

Good Bank

Good bank, good service, only issues is that there aren't as many locations near me like with Case bank.

Trust Score

2.6

User’s Review Ratings

Overall

Credit card reward program

I have 2 credit cards with Reward program. The first one has been issued approximately 4 years ago and it has ranges to get your money back for travel purchases, e.g. from 0 to 150, from 150-300, from 300-600, and >600. It means if you ticket is $180 you have to use 30000 point to get your money back.

I have issued the new one card a couple of years ago with better program, like you have to have 18000 to get back you $180. That is much better and I use it a lot.

You can get money back from your air plain tickets, car rentals and hotels with 90 days.

Trust Score

1.5

User’s Review Ratings

Overall

Bank and credit card issuer

not that many banks around but their credit cards are easy approvals and they are good with fees.

Trust Score

3.3

User’s Review Ratings

Overall

Online Savings Account

I opened a savings account after checking around and found the interest rate to be one of the highest. Also found if you are a Costco Executive member Costco will kick in an extra $100 after it is opened. Easy to transfer money in and out but don't be in a hurry to get it out (takes a min of 3 days). Can't use it to transfer money to my brokerage account. All in all it is a good place to have a savings account. I still do.

Trust Score

1.0

User’s Review Ratings

Overall

read the fine print

customer service is outsourced to india and they constantly jack up rates on you. read the fine print, although, if you do you'll probably just get another card.

Trust Score

2.4

User’s Review Ratings

Overall

Great when they were paying 5% APY, now 1.1%

CapitalOne online offers free checking, saving, ATM, higher APRs and fast transfers. I kinda started investing because I seen this 5% APR in the Money Market back in 2007. Then the APR decreased to 1% slowly and Ally Bank came along and had a better rate but less services. To remain competitive they offered Interest Checking and Online Savings with free ATM and unlimited withdrawals per month. I made the switch to Ally Bank because of a higher 1.5% APR vs 1%. Today I don't even keep up with these savings accounts anymore. If I were into savings I would choose CapitalOne Online as you get a higher rate than a standard brick and mortar bank.

Trust Score

6.7

User’s Review Ratings

Overall

Pure scam!

I used to like capital One for customer service and they were relatively easy going with great tools, such as their web, educational materials etc. I had (still have but will move to another card) a credit card with 0% into APR and then 9.99%. I knew the rules and did read the fine print. However, what got me pissed is that I had balance under 10k on a 25k limit credit. As soon as I crossed 10k line in credit and my personal credit is excellent, I got a letter that my APR was increased to 22.9%. FU Capitol One for being so greedy.

Trust Score

4.7

User’s Review Ratings

Overall

I like them

If you travel overseas then the best credit cards are from Capital One. No International transaction fee for two of their credit cards. Venture one and venture rewards.

Trust Score

4.0

User’s Review Ratings

Overall