HBC MASTER CARD Consumer Reviews

This card has the MOST frustrating customer service. They have no online communication. You have to call a toll-free number that is based in the Philippines. The employees use fake English names so none of them have last names - they tell you it is for security reasons (not sure what this means as the only reason I take down a name is to document who is accessing my personal information). They do not understand English and they read from a script. So if you ask a question outside of the script, they just keep repeating the same sentence over and over again. SO frustrating. I cancelled my card because of the horrible customer service from this card. You will sit on hold for 30 minutes and then have to talk to a human who basically sounds and acts like a computer. Get a different credit card.

I've been using this card for many years, without any problem. It's just recently they just stopped my card for no reason. The people from the customer service department are pretty rude. Every time I contact them, they spent more than 30 minutes asking tons of verification questions and privacy questions, most of which are totally non-relevant to this card. Never want to waste another minute with them!

My Card expired in July, waited one month to receive the new card but didn't receive Called CSR they said the new card is already issued & sent & they suggested to request a new one as reported lost....Now after 20 calendar days still I didn't get the replacement card....Called CSR they again suggested to report as lost and request new one...One time the CSR told me the address is wrong. I was surprised to hear while I already received activation letter in mail on the correct address... Because the card is issued by Capital one they don't have any control of whether the card is sent or not....Surprising !!

I use the HBC Capital One MasterCard weekly to buy groceries at one of 3 stores in my community. Today, my card was declined so I had to use another. Fearing it had been compromised, I immediately called Capital One and was told the block was automatic and based on unusual activity or amount. I explained I was using it at the same store I shop at every week, their history going back for years would bear that out, the amount was less than $85, and my account is in good standing. Security repeated that it was automatic based on unusual activity or amount, but could not clarify beyond that statement. The representative said she would unblock my card, and I told her that based on this I’m not sure I really want to use this card anymore; I have no confidence in their process. She had no response for me. HBC MasterCard was wonderful until it was taken over by Capital One. What a pity as I will miss getting the HBC Rewards.

So there was a Canada wide postal strike for 2 months and my balance of $63 was not paid on time. HBC Mastercard decided that my interest rate should go up to 29.90 % from 19%. The balance was paid in full the day the account statement was received and I placed a call explaining what happened. After 2 weeks I am being told that the interest rate cannot be brought back to the original. No reason as to why it could not be done. Apparently, customer loyalty means nothing to these people. I will be cancelling my card.