Capital One Credit Card Complaint

Capital One Credit card department,

Advertising and marketing District of Columbia

I came across an offer for Capital One 's - Rewards Credits, and its terms were simple : $0.00 annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time $100.00 cash bonus after spending $500.00 on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my $100.00 cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' - : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* - : " That promotion is for a VISA card, but I can give you $10.00. '' - : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* - : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' - : " No, I have n't. This


know. '' This is just awful business. They have a promotion for a card where - of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the $100.00 into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " $0.00 annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.