Is capital one a good Credit card to have?

Question

I am considering getting a second credit card, I was thinking of the capital one locked in 5.65% one. I really have no Idea though. ANY advice/help would be great. This is what the website says about it: Lock in at Prime +0.9% – that’s a guaranteed rate of 5.65% as of April 25, 2008 – for three years on purchases and balance transfers. And what happens after that? On August 31, 2011, your 5.65% interest rate will become a variable rate of Prime +0.9%.

This Capital One® card has no annual fee and you'll enjoy a high credit limit from $5,000 to $50,000. Plus, save money when you transfer high-interest debt with our no-fee balance transfer service. So what are you waiting for? Apply today.

$0 fraud liability for unauthorized use

24/7 customer service online or by phone

Purchase Assurance and Extended Warranty4

Car Rental Collision and Damage Waiver5

Up to $250,000 Common Carrier Travel Accidents

Answer 1

no no no no and did i say NO NO,,iv spent the last 6 months s******g around with them......DEC 30 My number was stolen...where/how i dont know....charges came in from europe asia...everywghere....we added up our charges and paid them off...6 months later I'm still fighting it out...when u call them you spend 15 to 30 min waiting for customer service...after u spend 5 min telling them everything u get put on hold for 5 to 15 min...if your lucky and dont get cut off you have to explaine the whole thing over to new operator who puts u on hold...these operators cant reall speak english...ive spent 2 hrs and more 10 to 15 times and never got a person to help me....

Answer 2

I had a Capital One Credit Card for a year or two - and I paid it off and cut it up. I did not like doing business with them.  Their Customer Service is very poor.

Answer 3

NO NO NO NO NO!!!!!! I have had the worst experience with them i totally think you should stay away from them. They have some of the most outrageous fees in the world be very careful!

Answer 4

I definately wouldn't suggest going with a capital one credit card as they have very poor customer service.  If you are late on a payment they call your house threee times a day.  Also the interest rate they show is only an introductory rate that will increse after a period of time.  If you go over your limit on the card they charge you $29 dollars a month over fees.  Unfortunately I am speaking from experience lol.

Answer 5

Notice the wording of up to, you will start with $300 and do not be an hour late with your payment as you will be penalized to the extreme. Whats in you wallet? ANYTHING BUT CAPITAL ONE. The absolute worst credit card company to go with, no I do not have one, but know family and friends that do  they are the biggest ripp off in the industry, that goes for car loans, and mortgages also.

Answer 6

Not them!

Answer 7

Capital One credit cards are good.

Answer 8

I have two capital one credit cards and have no problem with the company at all.  think they are really good and increase your line very easily compared to other banks. All these other people are saying they charge fees for going o/l, duh....if you go over limit and the purchase still goes through and you can still get what you want you have to agree to the terms and pay the fee. As long as you manage your account and do not be late or go over limit then you do not have to worry about fees like I don't.