Capital One Platinum Costco MASTERCARD Consumer Reviews

Worst credit card ever! Informed them we were going on holiday on a “shopping trip” in the USA. They ended up blocking our cards due to “suspicious” charges in the USA. We had to call them 6 x within 2 days to confirm all the security questions and ask them to unblock our cards as we are on a “shopping trip”. Every time we called, we had to confirm who we were and pass all the security questions. They would unblock it for one purchase at a time. Told them again and again, that we are on holiday for four days. The next day thinking everything was ok, we went shopping and guess what happened? They blocked us again! What's wrong with Costco Master Card? So, of course, we were furious, who wants to spend hours on the phone while on your holiday, having to call them before each purchase! They kept on saying these outlets have a lot of fraudulent credit cards... And they flag these specific outlets. I get it, but we have confirmed who we are and can't call them every single time we want to buy something... We are cancelling our horrible Costco Master Cards. I have never had such a horrible experience with a credit card company. The employees were not helpful at all. Obviously not trained properly either.

This is the worst credit card I have ever had. They freeze your card after a short time of an overdue payment. I was less than one week late on a payment because I was stuck in another country while travelling and couldn't access my online banking in a foreign country and they froze my card. When I called to cancel my card, they forfeited all of my Costco cashback rewards.

My wife and I are on 1 account with 2 credit cards and my wife is the primary holder, but when I called to change the address they treated me like I'm a totally different person... I mean why do you allow 2 people to be on 1 account if i can't even make any changes or ask any questions on that account? Very inconvenient and pointless

There is a philipino lady with broken English, closed my account without telling me. She says will open for me it take 2 days, now been a month cannot use my card. Called again they says I have to go Costco again. Very unprofessional customer service.

Having read a number of similar reviews on here before posting mine, I'm appalled that the company doesn't change something already! They will keep losing customers! I tried to increase my credit limit in anticipation of a large payment coming up that I needed to make, got told they can't increase my limit. So I sent $17,000 cash onto a card to essentially prepay my account so I can pay for my roof afterwards.. made sure payment gets posted! And the card gets declined. I called customer service again and they informed me that their card doesn't work that way and that I will have to call my bank and request a reverse payment. Seriously? So, you have my money and I can't even spend it?

I have family members whose credit it much lower than mine and they have over $ 7000 limit. I can't buy a lot of stuff online on costco.ca since they are more expensive than my whole limit. I am forced to use other mastercards and sometimes I am losing on over $ 100 of points with one purchase. Basically capital one is stealing money from me and others like me due to their incompetency. Even a child can do a credit check, just do a credit check, what kind of company are they? Anyways, Costco has really decided to screw over their clients in Canada, but Costco Canada has never been as caring as US Costco.

Costco should be embarrassed. This card is the worst card I have ever had! They refuse to raise the limit even though my credit is excellent. Customer service is a joke. They argued and talked over me. I can’t wait to cancel this pathetic card.

Je ne sais pas où on appel, ça me semble être en Inde. Le représentant parle très mal le français.

J'ai reçu un message sur mon répondeur qui demandais de les rappeler. Je les rappel et le gars me demande ce que je veux. Je lui explique qu'on m'a demander des les appeler. J'ai attendu un autre demi-heure en ligne. Il revenais en ligne pour me dire que ce ne serais pas long. J'ai du le flasher car j'ai eu un autre appel

Pourquoi Costco continu de faire affaire avec eu.

I got my card blocked 3 times within a couple months for supposedly fraudulent transactions. Every time I had to call wait for the agent, answer all the security questions + transactions one by one for the last 7 days, then got transferred to the security centre and restart the process again security questions, transactions one by one for the last 7 days, then got my card unblocked. The best waiting time was 50 mins, the worst was over 2h 30 minutes and I was at the cashier of Costco. I did an official complaint at Costco customer service about Capital One the same day. I can tell you Costco cares. This problem seems to be resolved as I receive now an email asking if I recognize the possibly fraudulent transactions and I can respond by email without anything else to do. Like many other reviewers, I also got refused for a higher credit limit despite I always pay the whole amount of my statement account every month in time. I'm using this card primarily for daily expenses because of the great cashback also for the no annual fee. I have other credit cards with much higher limit as a back up.

Terrible. Absolutely terrible. Quite possibly the worst customer service I've ever experienced, consistently. COSTCO NEEDS TO DROP THIS COMPANY or demand that they improve, for the benefit of their customers. Why this card so bad in my opinion: 1) Extremely long wait times to speak to a representative (45 mins+) 2) If you lose your card, it will take months to get a replacement. You will have to phone them multiple times (and wait on hold) to remind them that you still do not have your replacement card. Then it will be time for you to go on vacation and you still will not have your card. From the time you phone in to report it lost, they wait weeks before they even process and send the new card, and they use the slowest shipping possible. Another company has their replacement cards couriered overnight and in your hands the next day. 3) Their representatives are shady and lazy. They say they will pass you over to someone else or make sure another department calls you back within a certain time frame, but they lie. I've been told that I was being transferred to a priority direct queue since I already waited almost an hour to reach them, and all they did was transfer me to the MAIN LINE which had the exact same hour long wait time.