Credit Card Reviews

Capital One Platinum Costco MASTERCARD Consumer Reviews

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(190 reviews)
Capital One Platinum Costco MASTERCARD
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This is a shame

by Coranne on Oct 14, 2022
3 out of 5 stars

So in order to get anywhere with this product, you have to go to the CIBC bank and get a picture, and open an account. Even though I explained that I have two bank accounts with two other banks and do not wish to have a third bank account they still said I needed to do this in order to have any further dealings with this credit card... Liars and thieves.

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by Mike K on Nov 14, 2021
3 out of 5 stars

The Card does offer Costco cashback, which is the only reason I applied for this Card. However, the Credit Limit is set ridiculously low. I had several previous Cards with Credit Limits set at $20,000. The credit limit was set at $2000. I have an EXCELLENT Credit score, and have had this Card for over a year, and have never defaulted or been late with a payment. I have inquired several times about having the Limit raised, only to be told by their Customer Service (which is horrible by the way), that I will be given a Credit increase "when I am eligible". I asked what the eligibility requirements were, and was told that was up to Capital One??? So, I have never received a reason why. It's unfortunate, as I easily exceed $2000 per month.

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replacement card

by nocreditcard on Oct 3, 2018
3 out of 5 stars

My Costco Capital One credit card was compromised and it was thus cancelled. I was told my replacement would take 7 - 10 days. It didn't arrive. Now I am told that it is 7 - 10 BUSINESS days AFTER the replacement is processed and in the mail. I might end up waiting for over 2 -21/2 weeks for the new card. A number of monthly bills are paid through this card and I am now getting emails re: cancellation of services etc. due to non-payment. My previous credit cards were rushed to me by mail or could be picked up quickly at the local bank or store. I never have had this problem before. I talked to Costco Customer Service about this and was amazed at the response I got. I was advised to have other backup credit cards, even to pay bills that automatically come out of my card with such cards. Sure, change all your card information for one payment!!! I was also told I could pay through my bank. I had to remind my Costco official that I did not have a new credit card number. AND, if I paid through my bank, the money would come out of my bank account, not my credit card. Bottom line was that I was told not to rely on a Costco credit card, but to use others too. Well, I might as well convert to one that I can manage locally. Thanks, Costco, for the advice!!! Looking at all these complaints makes me wonder if Costco doesn't stand behind their card, why should their customers???

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Card credit increase

by Disgruntled on Jun 14, 2017
3 out of 5 stars

The credit limit on this card is not high enough for my monthly purchases. I was told by call centre staff I had to wait 6 months and the balance must be paid in full. This has now been done...I even have a credit. When I called today I was told that my request was denied. Not very happy about this. Do not appreciate being charged if I go over the credit limit. Is that how you reward good customers? I will no longer use the card for purchases at businesses other than Costco.

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