Need to make your Capital One Classic credit card payment? Capital One is a US and UK credit provider who offer a large range of credit cards for personal and business use. They cater for almost everyone, ranging from exclusive performance cards with excellent introductory offers to cards for those with no credit rating or a poor credit history. This guide covers the Capital One Classic Credit Card, with details on the card, and information on how to make payments with Capital One.
Capital One Credit Card Payment
You can make payments using a number of methods:
- At your bank – Take your statement to your bank and pay off the outstanding balance over the counter. You can also ring your bank or go to your online banking account, and use the cards details to make payments to the credit account.
- By mail – You can send a check in the post as long as you include a payment slip and the relevant statement.
When you sign up for a Capital One Classic Credit Card, you will be able to quickly set up an online account. With this you can arrange payments, such as bank transfers and direct debits, to keep your card payments up to date. Direct debit can be applied for through online banking, after which your chosen bank account will be charged for each statement automatically. To make your Capital One credit card payment online click the “Pay Online” button below to login or register. The Capital One credit card customer service 800 number is 1-800-955-7070 in the US. The phone number for general customer service and account inquiries is 08444 812 812 in the UK. Further contact information and addresses for postal payments can be found here in the UK and here in the US.
Overview of Capital One Classic Credit Card
The Capital One Classic Credit Card is a card designed for those who may have had credit problems in the past, though are looking to rebuild their credit rating for the future. In return for getting a card where others might not accept you, this card has a fairly high general APR, and no introductory rates on purchases, cash withdrawals or balance transfers. Users with a poor credit history should expect to receive a low credit limit, though if you manage the account properly and make all payments on time then your limit can be increased from 6 months. There are a few benefits with Capital One, including a convenient smart phone application and the Capital One eXtras scheme, which gives you discounts on everyday purchases.
Capital One Interest Rates and Terms
General APR is 34.94% variable on balance transfers, withdrawals and purchases. The minimum credit limit provided on this card is £200, with a maximum of £1,500 (amount may increase if you keep on good terms with the account). No annual fee. Late payment fee and returned payment fee is £12. If you pay the full balance of your account by the due date then there is no interest payable for the next statement. Balance transfer handling charge is 3% of transferred amount. Cash withdrawal charge is either £3 or 3% of money withdrew.
For the US Capital One MasterCard there is also a one off $100 bonus payment offered, when a cardholder spends $500 or more on their Capital One Cash Credit Card in the first three months of becoming a member. The intro APR is 0% on purchases and balance transfers until October 2012 with the rate rising to 12.9% up to 20.9% variable APR after that, depending on a cardholder’s creditworthiness.