First of all I want to say that capital one was my first and is my only credit card , unfortunately I haven’t been doing so well financially and I’m even embarrassed to call but regardless of my financial hardship capital one has always had solutions they never make me feel bad for not making a payment and sometimes even waived my late fee. I used to think credit card companies were bad when trying to collect payments but capital one has been so helpful to me since day 1 , I recommend everyone, I can’t think of one time ever regretting this credit card company, the customer service people have delays been friendly to me , never rude always transfer me to the correct people and like I said if there’s a problem they have many solutions and they walk me thru and even though my account is not at its best and I’m having trouble making payments that’s not thier fault and I am trying to get everything on track. I do wish I could pay off both my accounts but they don’t accept another credit card for pay off and it’s my mom’s only way of helping me out and that would really be a burden off my back but that’s the only thing I wish could change. Thank you capital one for being understanding and helping me through the hard times I promise I’m doing my best to keep my credit cards in track but things aren’t going well I appreciate the solutions and awesome customer service.

Other than me not receiving my replacement card (getting got lost in the mail, family member throwing it away thinking it’s a credit card offer instead, etc.) everything has been good. I had an unauthorized charge and that caused me to need the replacement card, but I haven’t received it. Customer service has been great and I love the discount offers that pop up on the websites when I’m trying to purchase things versus having to look up and see if the card gives me a discount or not. So I think that’s pretty cool. And whoever reads this review if you could send me an email, text or call so that we can find a better way than sending me the card directly to my mailbox would be awesome. Because I don’t pick up the mail and my stuff doesn’t always get to me. Maybe a home delivery where the mailman makes me sign for it at the door or something, or in a more official looking envelope that won’t get mistaken for a credit card offer. But if not, I’ll still be on the lookout for the card. I have recommended the company (investing) and the credit card to members of my family and friends and I think at least one has gotten a capital one card because of it. I give you guys an A+ on everything and the only problem I have is not getting the replacement card, but that’s not your fault. And if you guys wanna raise my credit limit a few thousand I’d be cool with that too. Joking.

I would really love this card. I’m still gonna give it a five however, I was in Europe. I was scanned by a bus company. They could have converted my ticket for the new ride time. They said they couldn’t do it because the Internet was not working. I paid them cash to get on the bus. They told me I could get my refund later when the Internet was working. I could not check anything because my Internet was not working. I’ve called Capital One multiple times to help me. They refused to give me my money back other than that this would be an awesome card. I can’t understand why a $92 fee for the money I put through on this card & they won’t honor it and refund my money. If they had done that and wrote a letter, then the bus company would talk to their employees about taking cash from customers lying, saying we could get our money back on the purchase tickets through the Internet. If they will not back me in Europe I don’t think I can take the card with me over there again. Because there’s always an issue when you’re traveling overseas people try to scam you. It sure would be nice if Capital one would help issues like this it would make awareness instead of the sweeping it under the table.