Capital One / terrible service and company in hole
I found a couple of charges on my Capitalone credit card that were not written in the terms when I signed in online. First one is Payment protection service. It charged me 1 % of what I spent on the credit card. I found this charge on my third day and immediately called [protected] to cancel the service, so the damage was comparably small and was around $2, but if I was too late, the damage could be insane. The more you spend, the more you pay.
Second one is Creditinform service which charged me $5.99/ month. I found this on my second month, and called [protected] immediately. The phone operator surely agreed to cancel and refund. It's been three weeks since then, but I haven't received the refund yet. I called them again and they told me that it is in process and takes around one billing cycle (it means probably a month, but they can't promise...) to refund. I recommend asking the name of phone operator, confirmation# and when you can get the refund.
If you got a Capitalone credit card, first thing to do is to call [protected](Payment protection) and [protected] (Creditinform) to cancel these things in advance unless you want these services. Don't forget to ask his/her name and confirmation#, and watch your online account at least twice a week to make sure that there is no other unexpected charges. The customer service was quite annoying. Probably the phone operators are paid for taking at least 5 minutes to tell you all merits of these services, so be patient if you can.
I am going to cancel this card. I can not trust them after these two unexpected charges and am tired to watch the online statement everyday and calling the customer service every week, too much work just to make it right. One more thing, their due date of payment is very random. I asked them the rule of the due date, but they could not tell it. If you enrol to online statement, they don't give you any notice and the due date just sneaks up randomly. I asked them to e-mail me to notify the due date though, the answer was No. My other credit cards do this though I didn't ask. That's another reason that you have to check online statement pretty often.
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