New Reviewer

Capital One is a horrible company. We have perfect credit and a perfect payment history with Capital One (and well, everyone else as well).

They will lower your credit limit for low usage and then when you call to see what can be done to raise it again, they will tell you absolutely nothing.

That is, there is no path of usage that will get the limit reinstated as far as the supervisors can tell.

There is nothing they will tell you that you can actually do to get your card limit raised because it is a secret.

Furthermore, the customer service supervisors are rude, unhelpful, and clearly do not care whether you are retained as a customer or not.

You should use absolutely ANY other credit card company on the planet besides Capital One. They are about as bad as a company possibly can be.

User's recommendation: Use a different credit card company. Avoid Capital One like the plague.

Product or Service Mentioned: Capital One Credit Card.

Preferred solution: Let the company propose a solution.

Capital One Pros: Lower interest rates than many cards.

Capital One Cons: Reduces credit limit for outstanding customers with no warning, Customer service supervisors rude and unhelpful.

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good review


"because it is a secret." Oh c'mon fool Drama 101 is down the hall. Look, the computer said to drop the limit.

That's it. Calling and haranguing the regular people or talking to the Magic Manager/Supervisor will not change it. Let me guess, you told them you would cancel if they didn't do what you wanted? How did that work for you?

Fool, it's not that they don't care, they can do nothing for you. "low usage" Credit Card 101-If you don't use a card, credit card companies can and will cut your limit. Banks only have so much credit to spread around. Sitting on a limit doe not make them money.

Be happy, someone was just surprised with a credit limit raise thanks to you.

Finally, you've done something of value in this life. Before you say, please note the moniker...

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