Capital One Platinum Costco MASTERCARD Consumer Reviews

I accumulated the rewards of Capital One with a Costco membership. My Costco membership was up for renewal. When I renewed Costco did not give my new information to Capital One. Therefore my account was closed and I lost my rewards. No warning or opportunities to correct.

I recommend to everybody never apply for this card; Since they deny your request without any reason. I applied it with a really good score and history that I had in my credit report but they deny my request with a really ridiculous reason and when I called to capital one to ask the reason; They mentioned because your credit limit with other Banks is high.

They decide to issue me a new card out of a blue without letting me know. No warning at all, you find out 1 day that your card does not work. I called to ask and the representative on the other end is totally useless just like talking to a bot. All the replies were I don't know, I understand your frustration... Not sure why Costco will choose 1 of the worst credit card company.

I'm shocked what a bad card it is. I used the card for half a year. I paid off constantly on time. Recently I stopped using it often and noticed that my current balance is much higher than I spent money from the card. I counted all transactions and all payments and my amount came out 2000 less than they indicated. Tried to resolve with customer service and no results...

With this Covid-19 situation right now and you want to go online shopping then the next thing you find out was tour transaction is declined which is so frustrating. I even call to report that unauthorized use of my account and the only thing they can say is "call after three weeks". And I call after 3 weeks then they told me to wait for 30 days and call again. They should not offer any credit cards if they can't handle simple problems like this.

This credit card is a complete scam where one star is too much. My Costco membership unknowingly expired during Covid19 so Capital One cancelled my credit card. This is not the first time they have done something stupid. I had been standing in line on a Friday afternoon waiting to pay for groceries when I found out Capital One has closed the account. No warning whatsoever. This company should not be allowed to offer a credit card.

I haven't received my cash rewards since January. After calling multiple times, their best response is that I have to wait another 3 weeks. This has been going on since February! It is a $600 reward that I earned and they have no interest in solving this problem.

Like another user here, my card was declined during a grocery run. For no reason. My payments had all been done on time. They keep charging at least 24,9% throughout the pandemic.

In these difficult times during covid 19 crisis, when all other banks are being lenient towards customers, Capital One Mastercard blocked my card without a warning for late minimum payment by 8 days! On the card with a limit of $15K, the minimum payment was only $69 and available credit of $12k. This is sad that the company assumed that I must be going through financial difficulty for not making my minimum payment therefor securing their own interest. I told the agent that I already made a payment of $600 unaware of the fact that my card was blocked. She still said nobody in the whole company has authority to remove the block until the payment is received at their end. I don't expect much from them but this is harsh!

I had a problem logging into my account. After chatting with representatives I realized it would be faster for me to phone Capital One than wait for yet another lengthy delay to a very simple question. A representative over the phone was trying to help me but it just escalated the situation so I told them to cancel my card. I cut it their card, threw it into the garbage disposal. Good riddance Capital One. You’ve lost my business for life because your customer service representatives haven’t the most basic understanding of how to handle a simple problem.