Write a review

Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.04 (270 reviews)

View other Capital One products

4.01

Based on 270 reviews, last reviewed 7th Jun 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

51%

25%

10%

Latest highest rating:

5

Great card & easy app Great card & easy app, I was given a good credit limit upon application (which was an easy process to follow even filling out on a phone). The app is ... Read more Reviewed on: 7th June 2024

Latest lowest rating:

1

Avoid Capital One they are crap! Avoid Capital One they’re crap Avoid Capital One they’re crap! Read all of this review for an honest true review. I’ve been with Capital One since 199... Read more Reviewed on: 8th February 2024

Read all reviews See your review

About this product

Capital One Classic Credit Card reviews can help you to find out about the pros and cons of the Classic Credit Card credit card. What kind of features do Capital One customers like? Find out more about the Capital One Classic Credit Card by reading our trusted Smart Money People reviews. You can also write your own Capital One Classic Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Capital One Classic Credit Card reviews (270)

Review of the Capital One, Classic Credit Card:

Great until things go wrong...

The company itself are fine and dandy when things are good. Contact is frequently returned when needed and I relieved when calls are answered from within the UK. However, when I lost my job and fell behind on payments they suddenly became very inflexible. I had to call repeatedly and then it would take quite some time for someone to respond, if at all. Contact was more of the feeling that it was made purely as it was obligatory rather than a wish to help. No offers were made to lower the APR or suggest a plan in my time of need. That said, once things were back on track they mysteriously reverted to their old helpful selves! Reviewed on: 24th December 2016

Nice company to use

Easy to use app simple to communicate with the company Reviewed on: 22nd June 2023

Good service

Always contact about fraud and any unusual transactions Reviewed on: 19th June 2023

All things sound nice at first. Until you fall behind.

They just left me to spend and spend until I couldn't afford to pay back what I got myself into. Then the letters came. Then the threats of bailiffs plus court. When you're young nobody tells you these things. You find out the hard way. Reviewed on: 16th June 2023

Cool and useful

After 6 years waiting for my state pension this co granted a credit card Reviewed on: 15th June 2023

Great company

Credit card with a fair APR. Great security and great customer service Reviewed on: 7th June 2023

Capital one credit card pros and cons

Capital one credit cards are highly recommended due to a number of reasons. One being they have a low entry barrier meaning you do not need a high credit score to access one. Furthermore there limit increases as time progresses which is another benefit for anyone trying to improve there credit score. One downside of capital one, or something I believe they could improve on is the customer service aspect, often it is hard to resolve a problem with them over the phone. Reviewed on: 3rd June 2023

Good credit, great app!

Have a good, manageable credit limit, payments are never too high. Reminders sent out in good time without being irritating and the app is fantastic! Reviewed on: 1st June 2023

Friendly staff, easy to use app

When I needed a credit card to help build my credit score, Capital One were easy to apply with and approved me quickly. Their customer service is great and the app is very clear and easy to use. Reviewed on: 1st June 2023

Everyone has a genuine chance to improve with Capital One

Capital One UK, in my view, is an exceptional credit provider as they give an extraordinary chance in the credit industry as they proactively monitor consumer behaviour in a way that allows them to positively support/influence good consumer spending habits. So it’s a win-win for them and also for the customer. The Capital One model treats consumers as members rather than ‘outsiders’. They are worthy of special praise as they don’t just act as a credit provider, they take the extra step to remotely influence consumer behaviour in a view to prevent defaults and improve credit rating in an earned manner over a period of assessment. I genuinely find Capital One to be an impressive model and strategically rewarding for those who understand & comply with their good spending T&Cs. Staff services and product information are also quite simple to use or access - and in summary, I believe the best providers ultimately focus on offering users or consumers simplicity and financial soundness mentorship. They are a credit to the UK and its financial markets even in a cost of living crisis era!! So my pick would be ..Capital One Reviewed on: 31st May 2023

Excellent service

No problems easy to contact. Good credit builder Reviewed on: 11th May 2023

Do you have a different Capital One product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

There's still more to see!

Capital One has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub