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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.02 (273 reviews)

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3.94

Based on 273 reviews, last reviewed 18th Jan 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

51%

25%

10%

Latest highest rating:

5

Respect for customer Treated with respect that’s important when you are old Reviewed on: 15th January 2025

Latest lowest rating:

1

I experienced months of failed withdrawal attempts. I experienced months of failed withdrawal attempts. Despite my repeated emails to customer service going unanswered, I was left in a state of worry up... Read more Reviewed on: 18th January 2025

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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 (273)

Review of the Capital One, Classic Credit Card:

Excellent service over 15 years

I have had a Capital One credit card for 15 years and have nothing but praise for the service. When an online accommodation company went bust I got my money back from Capital One, the whole process was very quick and painless. I have also benefitted from cashback so I have no hesitation in recommending Capital One. Reviewed on: 24th December 2015

Slow but always helpful

The app is shocking, takes 3/5 days for payments to get processed and the app is outdated compared to every other finance app. Very old fashioned online. Reviewed on: 25th January 2022

Top company

Easy to use card with great benefits.Low interest and running costs. Highly recommend! Reviewed on: 25th January 2022

Terrie company practices

They do not care one bit about you as an individual, they only care about their relationship with other business and corporations. You will get screwed over whenever their interests don't match yours, even if it means them breaking the law. Is my experience anyway, its so little money that its not worth my time thankfully, but the red flag is there and I'm out before it happens again. Reviewed on: 16th November 2021

Capital one doesnt care about their customers

Capital one is very sneaky and sly be warned, I have recently closed multiple credit accounts and all providers have allowed me to close my accounts and continue to make regular payments till it was paid off with capital if you wish to close your account they will only allow to 2 weeks to pay all of the account balance unlike other providers, when trying to explain my finical situation and tried to explain the card was causing me more finical issues the adviser told me that it was tough luck and that’s how capital works! There is no support and care if you are in finical difficulties they don’t care about their customers avoid this provider as much as possible as well as their other “sister” providers that are owned and operated by capital! Reviewed on: 15th November 2021

Told me they can't do a chargeback because I refused delivery of the goods. Literally no law ever states that is the case, they'll just lie through their teeth so they don't have to do anything.

Told me they can't do a chargeback because I refused delivery of the goods. Literally no law ever states that is the case, they'll just lie through their teeth so they don't have to do anything. Reviewed on: 18th October 2021

Excellent if you have a poor credit rating

I highly doubted that I would be offered a credit card but they were able to offer me one with a low credit limit, which I find really good for improving my credit score. Reviewed on: 5th September 2021

A Gift CapOne - Big Thanks

So right there when I needed it. Thank you for increasing my credit limit and having you for 3 years now is quite good. Reviewed on: 31st August 2021

it helped me with dealing with those emergency payment.

The card is value for money and it enables customers to be able to prioritize their bills whilst given them the time and opportunity to save. Reviewed on: 31st August 2021

Left in total despair

This is NOT the credit card company to use if you suffer with any mental health issues. Please do not take out credit with this company if there is any chance at all you may have payment difficulties in the future. I tried over and over again to speak to the customer service team and the complaints manager about my situation. I provided them with medical evidence from my GP and was told flatly there is nothing they can do to help me negotiate a settlement on the account. They have had me in floods of tears on the phone as I struggle to manage… the response “computer says no”. In this day and age of financial struggles and increasing mental health problems this company does not want to know. They have left me feeling in total despair. Reviewed on: 8th July 2021

Generally good.

Easy to use app, online access not as easy, paper statements at no cost. Reviewed on: 29th June 2021

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