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No international transaction fees. Capital One cannot handle a fraud notification for a trip of more than 30 days. Account managers at Capital One fraud department cannot empathize with customer problems and are bound by "policy" so they cannot even hear what you are saying.

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Pros: Good Introductory rate Cons: Customer Service is the pits!. Capital One is an annoying company with an aggressive marketing department that just keeps pushing and pushing until they get you to accept an offer. I cannot count how many times I received an offer from this company in the mail to sign up for a credit card or the number of phone call solicitations to accept a new visa card. I get stacks of mail from credit card companies on a regular basis, but none of them can top Capital One. I get more junk mail from this company than any other.

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Pros: none, easy to get cards Cons: horrible customer service, update account charges every couple weeks. I would NEVER recommend this to anyone. They could care less about customers and honestly Capital mean using their card will result in punishment for their own stupidity.

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I was 18 years old and straight out of high school. I had never had a credit card or any kind of credit. They gave me a credit limit of $5000.00. I have been a capital one member since 2003. I am very happy with them. I have never been late or gone over my limit. I have never had a problem with capital one. I did go through a little hardship and almost fell behind on my card payments, but capital one worked with me without ruining my credit score!

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By far the easiest loan I've ever received. I did the entire thing online. Cap one gives you a lower rate if you agree to do auto withdrawal from your checking account which I happily did. In a couple of days I received a "blank check" for the car I was buying at the dealership (there was a "not to exceed" notice on the check).

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Pros Capital One provides great work/life balance. Everyone takes great pains to be polite and supportive. There are a number of courses provided by Capital one university to ensure that the employees know how to get along with one another. Cons Senior managers are typically not experts in their departments' core competencies. Therefore, SME employees in the department must "pitch" their ideas for projects to management, progressing slowly along a long learning curve for the manager.

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Pros The best reasons to work for Capital One are the flexible work arrangements. I tend to be more productive working from home. The compensation and benefits are also great. Cons It is hard to get promoted even if you're working at the next level. Sometimes it seems it's all about who you know.

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I was trying to establish my own credit without the help of my parents. I was able to obtain my first car loan through this company. It has been great! It's a great feeling to establish my own credit and the company has always been very nice and friendly.

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Pros: Reasonable introductory rate, easy payment, online statements, quick credit line increases. Cons: High annual fee, poor customer service. Your experience with Capital One can be what you make of it. So far, mine has been very positive. I got a Visa with a decent interest rate, easy payment method, and a quick credit line increase. What's in my wallet? A Capital One card, and it will be there for a while.

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I have had my account with them for over 5 years. During the entire time, I was only 30 days late once (about 3 years ago) due to an oversight. Recently my APR was increased to about 20%. I spoke with 3 supervisors, and I was told it was increased for all customers due to "economic conditions". I feel that this is an unfair practice, especially considering my excellent payment history. Since all my other credit card companies appreciate my business, and they keep my rate competitively low, I will be paying the Capital One Platinum credit card account off and moving on with my remaining cards.

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Pros: Gave us credit Cons: Late fees, over the limit fees, monthly fees. Stay away from this one. They will fee you to death! That or tele-market you until you don't want to answer the phone!