Capital One Scam

mcpitman

Not a scam, simply the OP's misunderstanding of how CC's work.

Caz3121

I would go as far as to say that the vast majority of posts with "scam" in the title are not scams

Glitterbaby

The word 'scam' seems to get thrown round quite a lot, yet most times its just someone not understanding and pointing the finger rather than looking at themselves.

planteria

garyandlynn,
some of the replies are a bit harsh, but the basics are that you need to understand how credit cards work..
i'm a fan of paper statements as i like to have a record of all transactions and payments, and would rather not print or store pdfs.
as soon as anyone i know opens a card account i suggest they set up a Direct Debit: minimum/set amount (above minimum)/full...whichever is right for them, but at least the minimum.
they then have to ensure that the statement states the Direct Debit will be taken. if not, a manual payment needs to be sent to ensure that they don't miss a payment.
used wisely, Credit Cards, including those from CapitalOne, can be really useful. but we all have to ensure that we don't make a mistake and finish up missing payments and getting stung for fees/interest.
if you aren't already, get organised, understand, make the system work for you, and good luck:)

Paully232000

Glitterbaby wrote: »

The word 'scam' seems to get thrown round quite a lot, yet most times its just someone not understanding and pointing the finger rather than looking at themselves.

It would be fair to say that the word 'scam' in the majority of posts could be exchanged with, 'I made a mistake but would like someone else to blame', or 'mistake'.

lhead123

When I got my capital one card I had to phone up and activate it and there and then the guy asked if I wanted to set up a direct debit, which I did for the minimum payment.

[Deleted User]

I too have never had a problem with C/One they have a 24 hour phone line and the people on the other end are great very polite and helpfulI can't see what your beef is TBH I don't receive paper statement as they are not needed,but then I pay the balence off every month and just use the card as a debit card and get my cashback in January Great way to get paid for using your own cash

Looking at your previous posts it seems you have a problem with almost everyone you come in contact with Hmm 29 posts in five years methinks you maybe trolling old son

planteria

another accusation of trolling :undecided i think some people only make the effort to post when they are unhappy about something, which is human nature for many.
fwiw i have found CapOne customer service to be significantly poorer than Amex and MBNA over the years. both Barclaycard and CapitalOne can be a disaster, until you get through to someone, in CapOne's case, in Nottingham. then the game raises significantly.
i recently came back to CapOne for my back up card, and the CS ive had has been much better, but not sure if that's due to a general improvement, or with Aspire Elite cardholders are looked after by more experienced CS staff.

Toomuchdebt

I have a capital one card and set up online statements no problem.They also email me whenever the statement is ready to look at. I had paper statements to start with but prefer online ones. When I activated it they also asked if I wanted to set up a DD. I didn't as I prefer to pay it myself but I've never missed a payment. I have called them at midnight and they are available 24/7 so I'm not sure how you didn't manage to speak to them.

prowla

I've noticed that their time from statement to due date seems shorter than other cards.