Capital One Platinum Card Reviews for 2024 | WalletHub (2024)

I purchased something on eBay and it never showed up. I complained to the seller, and all they did was show me the UPS delivery confirmation that it had been delivered. Okay, maybe it was delivered but not to me! The UPS driver did not take a picture at the time of delivery, so there was nothing to show where they left it.

I lost the eBay case because the seller produced the delivery confirmation, and I could not prove I didn't receive it.

I filed a claim with UPS, and they could not locate the package. They paid the claim to the seller, but the seller would not reimburse me! So, I asked Capital One for help since I had used my credit card. Even though I submitted the paperwork from UPS showing the package had been lost and paid for, they decided in the seller's favor. I called and spoke to a rep whom I could barely understand. She was of no help. I paid off the balance and closed the account. There's no way I'm going to deal with a company that doesn't help and support their account holders!

Hi, my name is Carolyn from California. I started my credit journey by rebuilding my credit, which I began in November 2018 with a Capital One Platinum Secured credit card with a $200.00 deposit. As I applied for the card, I read that once you have made payments on time and without missed payments for, I believe, 6 months to a year, Capital One will graduate you to an unsecured card with a credit increase and return your secured deposit. At the time, I felt that it was really great for Capital One to do that for their customers. Keep in mind, I had my Capital One card for 6 years with an excellent payment history, yet Capital One has never graduated me to an unsecured card, nor have they returned my secured deposit! I have called customer service twice regarding this issue, and the two customer service representatives I spoke to said it could happen at any time. They said they have no control over converting my card into an unsecured card and returning my secured deposit. The system will change your status to an unsecured status; then they will send you your secured deposit back, and the system will increase your limit. Can anyone understand that?

Then, a year ago, I got approved for a Capital One Quicksilver card, with a $300.00 limit. Three months ago, I was upgraded to a Capital One Quicksilver One with no credit increase, still with a $300.00 limit. I continue to make my payments on time because I have reestablished my credit, and Capital One opened the door for me when no one else would. I am thankful. Now I have three more credit cards through Credit One, which are the Credit One Platinum Visa, Credit One American Express, and Credit One Wander. I applied for the Credit One Platinum Visa. The Credit One American Express and the Capital One Wander card I was pre-approved for, and was approved for both cards. I just wanted to share my credit journey and my experience with Capital One.

Don't get me wrong, I am grateful to Capital One because they opened the door for me to start my journey, and I will be forever grateful to them. The customer service is very professional and nice when I have called regarding this issue. Please make it make sense why I have to wait on a computer system to graduate me to an unsecured card, as I've mentioned before. I have an excellent payment history with Capital One. No hard feelings with Capital One; I just wanted to share my credit journey and review with them.

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They closed my account due to a returned payment and I was unable to reopen it. I made all payments on time and was paying a large amount well before the due date (I didn't even have a minimum payment due). Unfortunately, the debit account I use, through a third party with my employer, did not process the payment, and I've since learned that it cannot be used to make credit card payments.

I called and talked to two different people but was unable to reopen the account. A simple mistake such as this, when the account is in good standing, is unacceptable. Update your terms, issue a warning, or do not allow payments to be posted if they are not an accepted form of payment. I will not be applying for another Capital One card again.

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They closed my account because I had a returned payment, but I didn't have any payment due. There was no due date; for example, my minimum payment is $25, but I usually pay $50 I was paying more just because I wanted to pay it all off with small payments so by the next month it’s 0. So my voluntary payment was returned because the money was in the wrong account. However, I don't understand why that matters if it wasn't even due. I was doing it because I wanted to, not because I had to. I could have just paid $25 and not paid off the card. I have consistently paid more than the minimum every month and never had a late payment. I'm just paying off more voluntarily. I’m repeating this because it’s ludicrous

I will blame myself as well because I've read reviews from others saying they will just close your account . They do this constantly to people ! Fortunately, I have another card that has a $2000 credit limit after I made payments over six months. They appreciate me as a customer but capital one it’s disappointing that you call them and there’s nothing they can do because it’s computerized no loyalty for their customers whatsoever. Even though they referred this card because of my “loyalty” . However, it's unfair that they closed my account, which now negatively affects the credit score I worked so hard to build. Beware!

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