Capital One Credit Card Online Banking

Ok so I have never applied for a credit card before, and don't have a credit history. I looked online at various credit card offers and Capital One is one of the banks that offer the lowest APR. I just wanted to know for those who have had Capital One as their bank before, how well is their service? Do they do any kind of "funny" business or purposely try to screw you over?

I have heard bad things about them.....but with that being said, all credit card companies charge fees.......just read all the very fine print......

2008-02-14 17:27:13 by Sedona R

6.5 Minutes of a 25 minute phone conversation I had with a Capital One floor manager regarding high interest rate. It's disheartening with ...

I'm 18, college student.
My credit is clean ... well, i have no credit technically.
this would be my first time applying for one.

i applied online for a capital one card because of an offer i got in the mail. and i was denied.

does that have anything to do with the fact that i also don't have a bank account??

is there anything else missing??

what are the "eligibility requirements" to obtaining my first credit card?

You will soon receive a letter explaining why they refused your application and what sources they used to determine the application.

This is a requirement under federal law.

Your best bet is to get a store credit card (sears, wall-mart etc.) or gasoline card first. after about 8 months of keeping a good record, you should find it easier to obtain a regular credit card.
Another way is a secured credit card, you put up the cash to back it, this will help build ones credit report. Those pay as you go charge cards do not show on credit reports, so don't bother with those you see advertised on TV. Get a secured card from a bank or credit union.

Hope this answers your question.

2008-09-24 18:16:28 by Ste-funny.

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I have been IN DEBT. No money for anything, but now i finally got money to start paying things off. I'm wonderful if my credit card account with capital one is still active. I can still log on to my online banking, and it doesnt say closed but how else would I know if it was closed?

consider your credit delinquent. your account is probably closed but capital one is not going to write of the balance. if its a large amount they will expect you to pay it. if you dont pay it they will send it to a collection agency and from their possibly court. so try to at least settle with them.

2008-05-10 00:53:08 by Kayelle

I tried enrolling in online banking with capital one and it keeps telling me my information is wrong. I use the credit card number as the account number, and i enter the last 4 digits of my social security.
Thanks I'll wait for my first statement and then try to enroll. And I hope your kidding when you ask me to give my information cause thats not happening

Check your statement and make sure your account number is the same as on your card. Also check the back of the card for the correct website.

2008-04-30 18:17:58 by Zacky

Which is more viable, Capital One or Discover Bank ?. Both are Credit Card companies. Is either one is danger of failure?

Are you sure you're willing to put money away for 5 years for only 5.5% or less a year? That's only 37% or less after 5 years!

You have $100K and you'd rather NOT buy some dirt cheap stocks or foreclosed homes? (no debt, OUTRIGHT PAID OFF). You don't need to do it today, you have any of the next 2-3 years to wait for worse forcelosures and lower prices.

How about some gold bricks? Just look at how much gold and silver have appreciated the past 5 years (even today, despite the market price low, you can't buy bullion unless you pay a good 20%+ premium).

I do not like stocks or houses, but I don't have more than 20K. If I did, I'd diversify it a few places and you certainly have a lot more chances to play what other people CANNOT today. You worked hard and saved up this chunk of money, seize the opportunity!

If you've misread the rules and were not aware of the minimum deposit $100K, let me know, I'll give you a few simple ways you can flip your money 10-20% realistically every year.

2008-11-20 22:48:18 by Ryan