"Great Card"
Capital One® No Hassle Cash (SM) Rewards Credit Card Review
Written by: kellbell on 2008-04-26
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
kellbell's review: 
Capital One is the best. They give second chances and don't financially molest you. I'll stick with them forever.
Capital One is the best. They give second chances and don't financially molest you. I'll stick with them forever.
8 Comments
Comment 1 by hjm331
Same Here 
on 2008-04-26
I love my Capital One cards. They are the best with everything. They may not have "prime" APR rates, but they are definitely great with their CLI's. How long have you had the card for? If you have had the card for at least 3 months, you already know about the 3 step CLI program.
on 2008-04-26 I love my Capital One cards. They are the best with everything. They may not have "prime" APR rates, but they are definitely great with their CLI's. How long have you had the card for? If you have had the card for at least 3 months, you already know about the 3 step CLI program.
Comment 2 by kellbell
How Long? on 2008-04-26
I've had my Capital One Standard Platinum for a year, and my No Hassle Cash Rewards for a month now. I inquired about a CLI on my oldest account yesterday... When I discovered this ridiculous site of incredible amazement. :)
on 2008-04-26 I've had my Capital One Standard Platinum for a year, and my No Hassle Cash Rewards for a month now. I inquired about a CLI on my oldest account yesterday... When I discovered this ridiculous site of incredible amazement. :)
Comment 3 by hjm331
RE: Kellbell on 2008-04-26
Yeah, you're going to learn a lot of new information on this website. Everyone here is cool and down to earth so feel free to ask any question that you would like to find an answer to and I'm sure one of us will help you out. Good luck!
on 2008-04-26 Yeah, you're going to learn a lot of new information on this website. Everyone here is cool and down to earth so feel free to ask any question that you would like to find an answer to and I'm sure one of us will help you out. Good luck!
Comment 4 by yoyo11
HJM331 And Kellbell on 2008-04-26
If I don't get a CapOne pre approval soon... I'm going to go crazy... This is one card I really want!!! My score I guess is still too low. Highest EQ 610 lowest TR 582... I'm gonna keep trying!!
on 2008-04-26 If I don't get a CapOne pre approval soon... I'm going to go crazy... This is one card I really want!!! My score I guess is still too low. Highest EQ 610 lowest TR 582... I'm gonna keep trying!!
Comment 6 by ness32
Capital One ROCKS!!!!!! on 2008-04-27
Yeah, I agree with all. Cap1 really rocks. Since I've had both of my cards with them they hve increase CL at least 3 times. Plus I finally got a Auto loan with them for 26k and had no problems buying my car anywhere I wanted to just about. I used their blank check and love it. I pay everything online and very user friendly.!!!
on 2008-04-27 Yeah, I agree with all. Cap1 really rocks. Since I've had both of my cards with them they hve increase CL at least 3 times. Plus I finally got a Auto loan with them for 26k and had no problems buying my car anywhere I wanted to just about. I used their blank check and love it. I pay everything online and very user friendly.!!!
Comment 8 by adam
Anyone Have Another Number? on 2008-04-30
I was just wondering if anyone had another number to Capital One to possibly talk to an underwriter. I applied on March 28th and was declined right off. Since then my credit score has gone up 50 points (647) so I thought that I would apply again so I did, this time I called in and spoke with a customer service rep. I told her my situation and that I had applied about a month ago and asked her if she thought that it would be worth applying again. She said yes, so I did. This time she told me that their decision was "under review." I was somewhat optimistic thinking that at least they were considering it this time. Anyway, I called today to see what the status was and the cs rep I spoke with this time told me that they had not even looked at it or pulled my credit because I applied less the 90 days ago and you can not re-apply in less then 90 days time?? I don't know why the first person I spoke with didn't inform me of this. My credit is poor not because I defaulted in loans but because I had a bad accident and didn't have insurance at the time. I have since acquired 3 credit cards, two of them with HSBC and never been late and pay the balance off in full each month. I would like to have a Capital One card and actually get something back for using the card. Anyway, I don't mean to ramble but any other suggestions would be appreciated. I really don't want to wait another 3 months to get this card. If one of their underwriters were to look at my credit report and recent score I don't see any reason why they would not give me a card.
on 2008-04-30 I was just wondering if anyone had another number to Capital One to possibly talk to an underwriter. I applied on March 28th and was declined right off. Since then my credit score has gone up 50 points (647) so I thought that I would apply again so I did, this time I called in and spoke with a customer service rep. I told her my situation and that I had applied about a month ago and asked her if she thought that it would be worth applying again. She said yes, so I did. This time she told me that their decision was "under review." I was somewhat optimistic thinking that at least they were considering it this time. Anyway, I called today to see what the status was and the cs rep I spoke with this time told me that they had not even looked at it or pulled my credit because I applied less the 90 days ago and you can not re-apply in less then 90 days time?? I don't know why the first person I spoke with didn't inform me of this. My credit is poor not because I defaulted in loans but because I had a bad accident and didn't have insurance at the time. I have since acquired 3 credit cards, two of them with HSBC and never been late and pay the balance off in full each month. I would like to have a Capital One card and actually get something back for using the card. Anyway, I don't mean to ramble but any other suggestions would be appreciated. I really don't want to wait another 3 months to get this card. If one of their underwriters were to look at my credit report and recent score I don't see any reason why they would not give me a card.
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Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
