Capital One

What credit cards do Capital One offer?

Capital One believes that everyone should have the chance to have a credit card. We have both Platinum cards and Classic cards.

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Who can apply for a Capital One credit card?

You must be over 18 and resident in mainland UK. For a Platinum card you must be aged 21 or over and receiving an income of more than £10,000 per annum.

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How can I apply for a Capital One Credit Card?

You can apply now over the internet, it only takes between 5 and 10 minutes! You can choose a card from the 'Express Yourself' section to apply for, or we can help you choose a card if you fill in 3 simple questions in the 'Help me choose a card' section.

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I have been declined for a credit card before - does this mean Capital One will decline me?

Not necessarily. Capital One takes all the information you provide on your application form - and a decision is then made based on that information and also information of your previous credit history. If you are unsure why you have been declined now or in the past you can get a copy of your credit file from the credit reference agencies which Capital One uses: Experian and Equifax.

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What is the Complaints procedure?

Our Executive Office deal with complaints. You can write to them at:

Executive Office
Capital One
PO Box 5281
Nottingham
NG2 3HX

The Executive Office will aim to acknowledge your complaint within five working days of them receiving it. This letter will confirm that they are currently investigating your concerns for you.

Within a maximum of four weeks of receiving your complaint, the Executive Office will write to you again. This letter will either be to tell you how their investigations are progressing, or advise you of the result of their investigations. If the investigation is complete they will either:

• Issue a final response that explains their investigation and the decision that they've come to. They'll refer you to Financial Ombudsman Service if they're unable to assist you further; Or
• Advise you to write to them again within four weeks if you feel that their response hasn't resolved your complaint.

If they don't receive a response from you within these four weeks they will consider your complaint closed. If you do write back to them, as you feel they haven't resolved the matter to your satisfaction, they will review your complaint again. They will then either write to you with an alternative resolution, or send you a final response, explaining that the decision can't be changed; in this response they will refer you to the Financial Ombudsman Service.

As some complaints are very complex the Executive Office may not be able to resolve your complaint within eight weeks. If this happens they'll write to you to explain their reasons for this and offer you the details of the Financial Ombudsman Service, which are:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

The Financial Ombudsman Service policy means that you have to have received a final response from us before they'll consider your complaint. If you haven't received a final response from us they'll contact the Executive Office on your behalf to request one.

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