Credit Card Reviews
Capital One Low Rate Guaranteed MASTERCARD Consumer Reviews
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(6 reviews)
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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Canada Capital One— So, I was an idiot, I’ll fully admit, and maxed out my credit card buying my husband Christmas presents one year ( first time getting a credit card.. I know, I know. ) I called them and put a monthly payment plan in place. Forgot to pay it a couple of times. They have been harassing my family nonstop, I have never given them their numbers which is the creepiest thing. They also have been harassing my workplace for the past few days (gave them my work number previously). This lady calls, and my boss picks up the first time. She was incredibly mouthy and rude with her. My boss calls me and tells me this ( I was off with my sick child ) the second day, which I scheduled off, my coworker picks up. She was mouthy and rude with her too! I get a text saying this woman is unreal. She was mouthy again, short and snappy with her. I don’t appreciate them calling and affecting my job- totally not acceptable. You guys want me to pay this? I need to keep my job thank you. I'll never recommend this company to anyone. I will be calling in again to complain.
Hi, so here is my detailed experience. I started with a score of 542 in May 2019 with 2 derogatory accounts and 1 collection account. I had no active credit card or loan anything at all since I couldn't pay them anymore in July 2015. I applied to Capital one and another Bank the 23/05/2019. I went down to 530 for those 2 applications. I got approved only for a Guaranteed Capital One. I used my card monthly for under 25% of the limit and pay in full every month until this January 2020 my score went in the meantime from 530 to 593 and they sent me a credit limit increase of 3000$ at the beginning of the month. It is still a secured card and they are keeping my initial deposit of 375$. They asked for a 75$ deposit to have a 300$ limit but I decided to send 375$ to have a 600$ limit instead. After 7 months my score went up 63 points and had an automatic credit increase of 3000$ without asking them.