Capital One Platinum Costco MASTERCARD Consumer Reviews

First of all, they changed their online banking, I was trying to log in with my app and had to spend 15 minutes to set up my online banking "AGAIN". after that I finally got to log in and then I get an error message once logged in, so I made a payment to the card regardless as I did not know my balance or due date. when I was able to log in on my PC at home I realized that the payment I made a week ago did not go through! I called, waited for 60 minutes, no answer, called later in the same day, another 70 minutes on hold, no answer, called a third time same day another long wait no answer, the next day I see the payment was processed exactly 8 days later! causing me to go over-limit and pay an outrageous amount in interest that if I do the calculation it would equate to more than the interest rate posted roughly 31%. The next thing I did is pay off the balance and now I am calling to cancel the card and guess what, no answer again after 45 minutes, at least this time I could login to their terrible online banking site to see the balance. Now I can't cancel this card without wasting numerous hours of my time of which I already spent over 3 hours waiting and no contact yet. This is the worst card that I've ever used. worst and longest wait time, worst Online banking site and contact methods, I only got it because I use Visa and in Canada Costco accepts MC. Moving forward I'll use my debit card and won't ever deal with Coast Capital at any cost.

Capital one is absolutely the worst company for credit card out there. Terrible customer service, barley any added feature that you can not get on other free cards. Good luck getting a hold of a person or getting help for anything. Worst online system. Absolutely garbage. Shame on Costco for switching from AMEX to these clowns. Their site is always down and then randomly locks you out then you have to call and be on hold for hours to get through to anyone, who typically are somewhere remote and barley speak English. Your rebate will be in the mail with snailmail and may get lost....do yourself a favor and don't waste your time with this excuse of company for credit card provider.

Having a Costco platinum credit card for over 2 years, I've found their credit limit of $8,000 not enough for my family so I've tried twice now to raise our limit with no success. They NEVER give you a straight answer why just a "maybe next time" thanks for coming out although without the little pat on my head. I am constantly being denied at retailers because of the low credit limit so I then have to use my CIBC Visa card which has a $30,000 limit thank you CIBC Visa. I find it ridiculous because I've never missed a payment and pay my balance off every month so if they did raise my limit, I would be spending more money with them therefore making more money for them instead of CIBC. Only reason I still have it is to use at Costco. If Costco ever switches cards again, I would never consider Capital One for anything. I'm feeling that Capital One perhaps just don't care about their Costco customers.

Capital One Mastercard has the one of the worst customer experiences on this planet we call earth. I honestly don't know how they are in business. Also, they have tens of thousands of 5 star reviews on their website. Do they know it's illegal to write and publish fraudulent reviews? I've been placed on hold day after day while trying to activate my Capital One Costco Mastercard. If I didn't like Costco so much I would have bailed. I fear Capital One is hurting Costco's reputation by offering horrid service while being attached to Costco's brand. In summary, Capital One sucks. They must hate their customers with a passion. Whey I finally got to a human he sounded angry. He was a man who hates his job. His hatred his employer, Capital One, their customers and life itself was clearly communicated through his tone of voice. Capital one must treat their employees as poorly as they treat their customers. My recommendation when applying for a Capital One MasterCard. "DON'T!!!" There are a lot of better cards out there. After days and days of calling them I still don't have an active card. Capital One Mastercard SUCKS! If I could give a minus 5 star review I would.

Things were not so bad with the old website. I also was on the phone waiting for close to 4 hours trying to log on to the NEW glorious website. I am still having trouble logging on at times. Also the so called improved new website is horrible. Whoever designed it should be fired. I hope the glitches can be worked out,but for now I would give it "0" Stars if I could. Come on Capitol One. You can do better than this.

Yesterday I needed to speak to a Capital One rep by phone . I am not joking or exaggerating....it took me more than two hours to reach a customer service representative who was willing to stay on the line to resolve the issue. Normally, I would NEVER have held for this length of time but my husband and I are going on vacation and the matter had to be resolved. And when you have already been on hold for almost an hour, the fear of beginning all over later and having to go through the same thing is beyond painful. So the first customer service rep picked up the phone after I had held for almost an hour; put me on hold and said they had to transfer me to another service rep which they said would take about 5 mins. 30 mins later another customer service rep 'picked up' and I had to provide all the same details I had provided to the previous rep starting with my credit card number! After about 10 mins when they were unable to resolve my issue, they said they needed to check with someone else and could I hold for a minute. It was 30 mins later before an ENTIRELY DIFFERENT REP picked up, and I had to start at the beginning again! I was totally infuriated by this time, told her so, she apologized and did at least stay on the phone until the issue was resolved. I told each of reps that their wait times were totally unacceptable, and that they should have a service in place, when there phone lines are busy, so that CUSTOMERS are able to leave a call back number. Unfortunately, this is the only Credit card Costco accepts and we are frequent shoppers. We will be informing Costco of the lousy customer service and perhaps if there are enough complaints Costco might consider changing their credit card.

If your card is compromised and you want to reach customer service you can not reach them. For three days I called and hold for 45 minutes to an hour but no response. Costco should think again about this stupid company before renewing the partnership.

Do NOT get this card! Nothing but problems and 0 customer service! I tried calling over 5 times to get a problem fixed and no one cares.

Wasted 4 hours on hold the first time, 3 hours the second time and then they just say the system will be fixed within 72 hours, then again within 72 hours after the first 72 hours. No Customer Service at all. Why did Costco switch to Capital One?

Do not apply for this card. Impossible to reach customer service. The company does not want to talk to its customers. If you have a problem you are out of luck. I do not understand that COSTCO has made a deal with capital one. They should end the deal.