What are you doing with your Capital One card ?

ratechaser

Put it through the shredder, they can have it back! Account CLOSED!

Just coming back to this one again as I'm having a bit of a rethink in terms of trying to look for the best overall single card account to stick everything on, and the Lloyds Avios duo seems to be a pretty good box ticker in terms of


- a rewards system that's not cash but still useful to me (typically I get good value out of my Avios points)
- 2 cards (amex/MC) but consolidates to one account/statement
- Fee free foreign transactions that also earn Avios


So that could be where I'm headed next, only decision is whether to go for the standard £24 one or the premier £140, as the difference in benefits seems pretty marginal unless it also drives how high a credit limit is given, as practically anything less than 15k isn't really helpful to me!


Anyone got experience of these cards?

Lady_Bee

Just a quick question about cancellation if anyone can help?

I contacted Cap One via their secure messaging in my account and asked them about closing my account. I have now received an email to say they have replied however I can't now log into my account to see the response! Should I take this lock out as the confirmation of my account closure?!

Thanks

davidsuffolk

Keep the card not use it, but keep it for the extras e.g. Credit monitoring

Lady_Bee wrote: »

Just a quick question about cancellation if anyone can help?

I contacted Cap One via their secure messaging in my account and asked them about closing my account. I have now received an email to say they have replied however I can't now log into my account to see the response! Should I take this lock out as the confirmation of my account closure?!

Thanks

If the same as me, the message would say they are closing your account and a letter will follow (which it did in a couple of weeks)

molerat

Same here, sent a message at 16.10, receipt message at 16.12, closing account message at 17.27 and no access to account.

keiran

CapitalOne are *hitting themselves......

Has everyone received a survey from cap1 ( I had one this morning) about how we rate the card, and comparing with Amex?

I can only imagine there's been an immediate and tremendous decline in their card processing fees/revenues since June

lisyloo

Put it through the shredder, they can have it back! Account CLOSED!

I can only imagine there's been an immediate and tremendous decline in their card processing fees/revenues since June

85% of the market are apathetic.
Moneysavers are the exception.
So probably not.

SuiDreams

Keep the card not use it, but keep it for the extras e.g. Credit monitoring

Sorry just wondering if there is a dormancy Fee for Cap one, was going to keep the card for free Credit reports etc. (Have already lowered the credit limit).

keiran

Send them a secure message from your log-in page, or ring them, or look at the back of your statement for fees and charges!

FWIW, my platinum CapitalOne has no dormancy fee

lisyloo

Put it through the shredder, they can have it back! Account CLOSED!

I cancelled my capone in 2008 and the equifax service continued.
BTW - there is now clearscore which is free.

molerat

molerat wrote: »

Same here, sent a message at 16.10, receipt message at 16.12, closing account message at 17.27 and no access to account.

Message sent 17 Jul, letter received today.