Does  anyone else think Capital One Credit card company is a joke??
91190
I hate them.  I have never had any problem with paying my bills - I just don't like them because they are rediculous.  I have cards with 10,000 limits on them - those I can see getting credit transfer deals in the mail.  I can actually do something with a $10,000 credit line.  But capital one... I only have a $500 limit - Like to keep small limit card for use on the internet.  Well lately I have been getting a TON of transfer deals from them... Like ya... I am going to go all out of my way to transfer a measly $500 onto thier card.  \n\nWhat a waste of money on thier marketing!! Idiots
1037012
I think they are a huge problem for the most part.\n\nAt their best, it is great to not carry cash, be able to easily buy over the phone or Internet and have the refund protection of using a credit card.\n\nHowever using credit, which implies buying things you don't have the money for yet, is a pit so many of us fall into, that can be a real deterrent to future financial security.\n\nIt is becoming increasingly necessary, in fact downright required, that one have a good credit record.   Your ability to get a mortgage, low insurance rates and even in some cases a job, all hedge on your stupid credit file.\n\nI have a big problem with a society that requires a credit rating just to find a job.\n\nAlso the credit card company's are rapidly becoming some of the biggest thieves in the world.   They offer cards to people on shaky ground, then jack'em up with high interest rates, late fees and overlimit fees when they get into trouble.\n\nNow..I know that each of us is responsible for our own choices, but the credit card companies offer the temptation of a life we cannot afford.\n\nSo...it is really easy for the good to be overcome by the bad.\n\nAt their best - you have a no fee card that gives you mileage points for every dollar you charge that you can use on any airline AND you pay the bill in full each month so you still have no debt.\n\nAt their worst, they will hold you back from ever having any stability, or any true wealth.
612128
IT IS QUITE POSSIBLY THE WORST OF ALL.  HOWEVER.  THEY DO GIVE A STARTING LIMIT OF ABOUT $500.00 AND CHARGE ABOUT $180 TO GET IT GOING SO YOU END UP WITH ABOUT $$320 IN ACTUAL CREDIT.  \n\nTHE CREDIT INCREASES ARE USUALLY ANYWHERE FROM $200 TO $400 A FEW TIMES A YEAR.  BE CAREFUL BECAUSE THEY CHARGE YOU $100 TO INCREASE YOUR CREDIT AND THEY TREAT IT AS A CASH ADVANCE SO YOU PAY A PREMIUM INTEREST RATE FOR THAT SERVICE.\n\nI WOULD STEER CLEAR OF IT IF POSSIBLE.\n\nTRY FOR A CAPITOL ONE CARD.  LOWER CREDIT LIMIT BUT HARDLY ANY FEES AND A DECENT COMPANY TO DO BUSINESS WITH.\n\nYOU COULD ALSO DO WHAT THE GUY ABOVE TALKED ABOUT WHIT THE CD THING BUT THAT TAKES MONEY UP FRONT AND THERE IS NO GUARANTEE THAT YOU WILL GET A LOAN EVEN WITH THE MONEY FOR COLLATERAL.\n\nI WOULD ALSO ADVISE TO JUST STEER CLEAR OF CREDIT CARDS, IT IS AN EVIL WEB TO GET TANGLED UP IN.\n\nGOOD LUCK!
986552
I don't, but I have one of their credit cards.  Good luck.  Feel free to zero out my account.
860246
I got one to...I think it's a scam...
154978
I looked at their website and here are my thoughts:\n\n1) As much as they mention the term "mutual fund" it is not in fact a mutual fund.\n\n2) As much as they use the term "Swiss" it is not in fact from Switzerland. (Website domains registered in US and Dominican Republic.\n\n3) The rates of return they profess are A) based on a very short span of time and B) wholly unrealistic for long term investing.\n\n4) While the websites I have seen are very slick, they do not have any substantive content regarding exactly how they propose to make money.\n\nI feel that it is another in a long line of Pyramid Schemes where the new cash brought into the organization by getting people in at the bottom level is filtered up to the top (giving them the ability to quote these great rates of return). These scams are always doomed and it is the people at the bottom that get screwed. Steer clear of this one.
84990
I'm almost 100% sure that this is a scam. Most of the time, companies will say whatever they have is free, regardless of whether it is legitimate or not. When they ask you for your credit card number, hell no. Not unless they have a really, really good reason, it is a scam. Unless they are providing a trial that after a certain time you will have to pay for, it is a scam. You should put in the question you put up here exactly why they said they needed it, cuz depending, they're might be a slight chance it is a good reason, but im pretty sure this is a straight up scam, especially seeing as the mail went directly to junk mail also.
1045910
Yes I have, and they dont do anything they promise to. They never return phone calls. Im wondering if they are even a real company. I getting ready to file a dispute with my credit card co. to see if I can get my money back. Contact me if you have the same problem with these people.
1033816
these so called fraud protectors are a waste of time and money!  these credit card companies are supposed to do this service for you for free.  You will know if your card was not used by you or with your consent because it will show up on your report.  the companies should repay you for this also!  They may close the account and reopen a new one in your name with a different number but that is better than paying those rediculous prices for this protection.
564135
This is a trick by the card companies to get them to spend more on their cards so they can be fleeced out of more and more interest.  I would rather keep my money safe than have cheap trinkets and meaningless offers; stuff credit cards- its just profiteering from those who can't afford it, like the Lottery.
987684
I was almost scammed by this company also.  Something just did not feel right about the paperwork that they emailed me and the email address was from a Yahoo account, sallyhamilton22@yahoo.com.  I thought that was strange.  They also wanted me to send them $940 as down payment on insurance.  I thought that was strange also.  When I called back I could not get through to the original contact Symone Athill, so I pressed another extension and that guy was Kevin Littlejohn.  He was so nervous speaking to me and he could not tell me their website address or their fax #.  Watch out for this company....
799765
Unfortunately I don't hold out much hope for you getting anything from Andy's.  I too discovered (unfortunately too late) they're a very disreputable company with a significant number of unresolved/ignored complaints filed with the local BBB in Milpitas, CA.  Their employees simply lie to you about cancelling orders and providing refunds.  Your only recourse is to dispute the charge with your credit card company as I have done.
18884
There is not one who is actually better. i would stay away from American Express, They have lousy customer service and they hardly ever work with someone to lower interest rates.  On that note, Visa and mastercard are trademarks. It depends on the bank that they are issued from. Capitol One seems to be the front runner now, they have low interest rates and they do not charge outrageous late fees, they have a 10 day grace period before any fee is assessed. I hope that helps. I went by my own personal experiences.
913898
Call your credit card company and reverse the charge.  They will investigate and if it's a scam as you claim it is, you should get a credit.
709864
Check with your BK lawyer before doing anything. As far as Cap One goes... I dont adv anyone to go to them just simply cuz I work at a credit reporting agency and they are the number one creditor for reporting things wrong like balance and late dates.  Doesnt mean its like that for everyone I've just seem a lot of neg things from them.
41939
Yeah, get rid of that card and get one that gives you cash back.  That's better than anything you can redeem with credit card "points."
220046
There seems to be a rash of these scams lately. It's just a standard phishing scam. They just want your credit card number.