Capital one card taken just before xmas

steders_2

I took Martin's advice about the Capital One 4% cashback card for the first three months and got one in November. Today, 20th December, I tried to use my new Capital One card and it was rejected. I rang Capital One to find out why as I had promptly paid my first bill in full. I was told that my card would have to be frozen and I would get a replacement within 7-10 working days. The guy on the phone was extremely evasive of my questions because he could not specify what the problem was. He went through some recent purchases to confirm they were genuine so making me think that something had been going on with my card but he would not admit it. I may be completely scinical but I got the feeling that Capital One did not want me to have their card over the first two weeks of the Christmas / New Year sales when I would be claiming my 4% cashback on my purchases. I had proved from my first bill that I use it for most purchases and pay back in full - not the most ideal customer for a cashback credit card company to have! I wondered if anyone else out there had a similar experience just before Christma? I will not get my new card until around 10th January.

phoebe03cat

I didn't have my card stopped but the fraud team were exeedingly vigilant to say the least when I started to use it! I was told that they do check several transactions when it gets up and running as routine. I had two calls about a Tesco order on the same day, as they told me this is how fraudsters do a dummy run on something regular and smallish. I had about two other calls in the first week, until I got really fed up with it, but I have to say they were efficient. No problems ever since and been up and running for months now. You could try asking them to honour the cashback you are missing if it's their fault, or the fraud teams been over vigilant again. I've found cs to be top rate or you could try upscaling to team leader/manager and lob in a formal complaint. Personally I wouldn't think it is intentional.

steders_2

Many thanks for your reply. I did however note that a user called Kellogs on 18th December had a very similar story to tell as mine with Capital One. I'd like to think that your answer is correct so will continue with them enjoying the 4% cashback at the moment. Once again, thank you.

graduate2012

I find with Capital One, on asking questions, they enjoy to refuse to answer; or claim they cannot answer

I simply put my complaints in writing, and received £50 for the inconvenience caused on many occasions, and 2 lots of £25 admin fees, due to my writing letters, burning CDs of the conversation recordings!

Dumbledore55

Call me cynical but the same thing happened to me although mine wasn't over Xmas - I didn't have use of my card for 12 days while they sent a replacement - for exactly the same reason as they told you. They cancelled my card saying my number may have been vulnerable and saying similar about Tesco.

I asked if I could have an extra 12 days tagged on the end of the 3 months 4% cashback period as they cancelled the card - however, it was refused!