OT: Avoid Capital One No Hassel miles Rewards cards

[kev374]

This rewards program is touted as providing maximum flexibility because you can cash in at anytime, no expiration, towards travel credit or cashback etc. etc. But what they don’t tell you is that the miles program is tiered so you always lose compared to a standard cashback program. But these facts are buried in pages of fine print (I found it in paragraph 52c on page 12 of a 16 page leaflet) and nowhere are the essential facts clearly published up front.

I spoke to a Capital One Rewards agent and explained how the program is rubbish and decietful and amazingly HE AGREED!!!!!!!

There is no reason this miles program should even exist because it is nonsense. Why would anyone want to recieve .5% cashback or even much less as opposed to every other rewards program there is out there that pays 1% cash and you can use the cashback for whatever you like? Well, the fruitcakes at Capital One claim that their program is better because the miles don’t expire. Totally stupid!

Now it seems they have 2 versions of this card, one is “miles” and one is “cash”, I believe it is to scam people. The miles version also has cashback facility and is sold as if the miles version is the same as the “cash” version but with the added benefit of direct travel re-imbursements! Not so, since the “cash” part of the “miles” card works quite differently than the “cash” card but they tell you that it’s the same. Bunch of scamming, theiving bastards I tell ya!

Anyways, just wanted to rant a bit about how scam oriented these greedy corporations have become and it definitely increases my belief that companies like Countrywide rampantly scammed people to inflate their profits. They should be investigated and Mozillo put behind bars.

[GoUSC]

All Credit Card rewards programs are a scam to some extent. This is not new….at the end of the day I have only had a truly good experience with American Express.

[GoUSC]

All Credit Card rewards programs are a scam to some extent. This is not new….at the end of the day I have only had a truly good experience with American Express.

[GoUSC]

All Credit Card rewards programs are a scam to some extent. This is not new….at the end of the day I have only had a truly good experience with American Express.

[GoUSC]

All Credit Card rewards programs are a scam to some extent. This is not new….at the end of the day I have only had a truly good experience with American Express.

[GoUSC]

All Credit Card rewards programs are a scam to some extent. This is not new….at the end of the day I have only had a truly good experience with American Express.

[bubble_contagion]

Capital One has always been a scam. I use the American Express Blue Cash. It has no fees and great customer service. I always use it to pay gas, cell phone, cable, etc. Last year it gave me almost 2% cash back. You also get a yearly report of where you spent your money: gas, restaurants, travel, shops, etc. Very insightful. The Amex website is very good with graphs of your spending by sector etc.

[nostradamus]

Ya I don’t know about other cards because I too only use the Amex. It’s great if you’re in business and need to have records of all your purchases. This can be useful in case of an audit. Of course I also get the cash-back deal.

I get the “Capitol 1” offer in the mail about once a week. It goes right in the rubbish.

[nostradamus]

Ya I don’t know about other cards because I too only use the Amex. It’s great if you’re in business and need to have records of all your purchases. This can be useful in case of an audit. Of course I also get the cash-back deal.

I get the “Capitol 1” offer in the mail about once a week. It goes right in the rubbish.

[nostradamus]

Ya I don’t know about other cards because I too only use the Amex. It’s great if you’re in business and need to have records of all your purchases. This can be useful in case of an audit. Of course I also get the cash-back deal.

I get the “Capitol 1” offer in the mail about once a week. It goes right in the rubbish.

[nostradamus]

Ya I don’t know about other cards because I too only use the Amex. It’s great if you’re in business and need to have records of all your purchases. This can be useful in case of an audit. Of course I also get the cash-back deal.

I get the “Capitol 1” offer in the mail about once a week. It goes right in the rubbish.

[nostradamus]

Ya I don’t know about other cards because I too only use the Amex. It’s great if you’re in business and need to have records of all your purchases. This can be useful in case of an audit. Of course I also get the cash-back deal.

I get the “Capitol 1” offer in the mail about once a week. It goes right in the rubbish.

[lindismith]

Ditto on the American Express comments.

And ditto on Cap One: I had to call in 3 times to cancel a card once – unbelievable how they just kept ignoring my requests, and then tried to charge me fees for renewals! Cap One has got to be the most crooked of all credit card companies.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[Coronita]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

I use to receive their CC application so much, that rather than just throwing them out, I'd send in the application with all the garbage that came in the original mail back to them in their postage paid envelope they included (minus the form with my name on it). Actually, it was credit card application merry-go-round. I would send Chase a Capital One application, Capital One a MBNA application, and MBNA a Capital One application.

That is, until they actually started printing a barcode on the return envelope to track people that did this.

 

I love my Costco Amex card BTW. In addition to stuffing my fat ass with food from Costco, I get 3% cash back on travel, 2% on dining out, and 1% cash back on all other purchases. It comes back to you in a costco check which you can cash in at costco without buying anything.

 

 

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[nostradamus]

FLU why do you care if they’re tracking who sends their garbage back? I do it all the time with my address/name/barcode clearly visible. It has reduced my junk mail drastically. I just write “no thanks” in big letters on the form and send it back in their prepaid envelope.

[cr]

Nostra- I do the same thing. I did it with every offer I got for about a year and stopped getting them.

It’s incredible to think that outside the annual fee of maybe $150 on some cards, CC companies make all their money on charging people for spending money they haven’t even made yet.

[cr]

Nostra- I do the same thing. I did it with every offer I got for about a year and stopped getting them.

It’s incredible to think that outside the annual fee of maybe $150 on some cards, CC companies make all their money on charging people for spending money they haven’t even made yet.

[cr]

Nostra- I do the same thing. I did it with every offer I got for about a year and stopped getting them.

It’s incredible to think that outside the annual fee of maybe $150 on some cards, CC companies make all their money on charging people for spending money they haven’t even made yet.

[cr]

Nostra- I do the same thing. I did it with every offer I got for about a year and stopped getting them.

It’s incredible to think that outside the annual fee of maybe $150 on some cards, CC companies make all their money on charging people for spending money they haven’t even made yet.

[cr]

Nostra- I do the same thing. I did it with every offer I got for about a year and stopped getting them.

It’s incredible to think that outside the annual fee of maybe $150 on some cards, CC companies make all their money on charging people for spending money they haven’t even made yet.

[nostradamus]

FLU why do you care if they’re tracking who sends their garbage back? I do it all the time with my address/name/barcode clearly visible. It has reduced my junk mail drastically. I just write “no thanks” in big letters on the form and send it back in their prepaid envelope.

[nostradamus]

FLU why do you care if they’re tracking who sends their garbage back? I do it all the time with my address/name/barcode clearly visible. It has reduced my junk mail drastically. I just write “no thanks” in big letters on the form and send it back in their prepaid envelope.

[nostradamus]

FLU why do you care if they’re tracking who sends their garbage back? I do it all the time with my address/name/barcode clearly visible. It has reduced my junk mail drastically. I just write “no thanks” in big letters on the form and send it back in their prepaid envelope.

[nostradamus]

FLU why do you care if they’re tracking who sends their garbage back? I do it all the time with my address/name/barcode clearly visible. It has reduced my junk mail drastically. I just write “no thanks” in big letters on the form and send it back in their prepaid envelope.

[Coronita]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

I use to receive their CC application so much, that rather than just throwing them out, I'd send in the application with all the garbage that came in the original mail back to them in their postage paid envelope they included (minus the form with my name on it). Actually, it was credit card application merry-go-round. I would send Chase a Capital One application, Capital One a MBNA application, and MBNA a Capital One application.

That is, until they actually started printing a barcode on the return envelope to track people that did this.

 

I love my Costco Amex card BTW. In addition to stuffing my fat ass with food from Costco, I get 3% cash back on travel, 2% on dining out, and 1% cash back on all other purchases. It comes back to you in a costco check which you can cash in at costco without buying anything.

 

 

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

I use to receive their CC application so much, that rather than just throwing them out, I'd send in the application with all the garbage that came in the original mail back to them in their postage paid envelope they included (minus the form with my name on it). Actually, it was credit card application merry-go-round. I would send Chase a Capital One application, Capital One a MBNA application, and MBNA a Capital One application.

That is, until they actually started printing a barcode on the return envelope to track people that did this.

 

I love my Costco Amex card BTW. In addition to stuffing my fat ass with food from Costco, I get 3% cash back on travel, 2% on dining out, and 1% cash back on all other purchases. It comes back to you in a costco check which you can cash in at costco without buying anything.

 

 

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

I use to receive their CC application so much, that rather than just throwing them out, I'd send in the application with all the garbage that came in the original mail back to them in their postage paid envelope they included (minus the form with my name on it). Actually, it was credit card application merry-go-round. I would send Chase a Capital One application, Capital One a MBNA application, and MBNA a Capital One application.

That is, until they actually started printing a barcode on the return envelope to track people that did this.

 

I love my Costco Amex card BTW. In addition to stuffing my fat ass with food from Costco, I get 3% cash back on travel, 2% on dining out, and 1% cash back on all other purchases. It comes back to you in a costco check which you can cash in at costco without buying anything.

 

 

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[Coronita]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

I use to receive their CC application so much, that rather than just throwing them out, I'd send in the application with all the garbage that came in the original mail back to them in their postage paid envelope they included (minus the form with my name on it). Actually, it was credit card application merry-go-round. I would send Chase a Capital One application, Capital One a MBNA application, and MBNA a Capital One application.

That is, until they actually started printing a barcode on the return envelope to track people that did this.

 

I love my Costco Amex card BTW. In addition to stuffing my fat ass with food from Costco, I get 3% cash back on travel, 2% on dining out, and 1% cash back on all other purchases. It comes back to you in a costco check which you can cash in at costco without buying anything.

 

 

 

 

[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]

—– Sour grapes for everyone!

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[Fearful]

I have got their cash rewards card and it seems fine to me so far.

[Fearful]

I have got their cash rewards card and it seems fine to me so far.

[Fearful]

I have got their cash rewards card and it seems fine to me so far.

[Fearful]

I have got their cash rewards card and it seems fine to me so far.

[Fearful]

I have got their cash rewards card and it seems fine to me so far.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[GoUSC]

I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.

[lindismith]

Ditto on the American Express comments.

And ditto on Cap One: I had to call in 3 times to cancel a card once – unbelievable how they just kept ignoring my requests, and then tried to charge me fees for renewals! Cap One has got to be the most crooked of all credit card companies.

[lindismith]

Ditto on the American Express comments.

And ditto on Cap One: I had to call in 3 times to cancel a card once – unbelievable how they just kept ignoring my requests, and then tried to charge me fees for renewals! Cap One has got to be the most crooked of all credit card companies.

[lindismith]

Ditto on the American Express comments.

And ditto on Cap One: I had to call in 3 times to cancel a card once – unbelievable how they just kept ignoring my requests, and then tried to charge me fees for renewals! Cap One has got to be the most crooked of all credit card companies.

[lindismith]

Ditto on the American Express comments.

And ditto on Cap One: I had to call in 3 times to cancel a card once – unbelievable how they just kept ignoring my requests, and then tried to charge me fees for renewals! Cap One has got to be the most crooked of all credit card companies.

[bubble_contagion]

Capital One has always been a scam. I use the American Express Blue Cash. It has no fees and great customer service. I always use it to pay gas, cell phone, cable, etc. Last year it gave me almost 2% cash back. You also get a yearly report of where you spent your money: gas, restaurants, travel, shops, etc. Very insightful. The Amex website is very good with graphs of your spending by sector etc.

[bubble_contagion]

Capital One has always been a scam. I use the American Express Blue Cash. It has no fees and great customer service. I always use it to pay gas, cell phone, cable, etc. Last year it gave me almost 2% cash back. You also get a yearly report of where you spent your money: gas, restaurants, travel, shops, etc. Very insightful. The Amex website is very good with graphs of your spending by sector etc.

[bubble_contagion]

Capital One has always been a scam. I use the American Express Blue Cash. It has no fees and great customer service. I always use it to pay gas, cell phone, cable, etc. Last year it gave me almost 2% cash back. You also get a yearly report of where you spent your money: gas, restaurants, travel, shops, etc. Very insightful. The Amex website is very good with graphs of your spending by sector etc.

[bubble_contagion]

Capital One has always been a scam. I use the American Express Blue Cash. It has no fees and great customer service. I always use it to pay gas, cell phone, cable, etc. Last year it gave me almost 2% cash back. You also get a yearly report of where you spent your money: gas, restaurants, travel, shops, etc. Very insightful. The Amex website is very good with graphs of your spending by sector etc.

[Raybyrnes]

I use AMX Clear, and Amex Blue for purchases but I like Capital One’s MMA that can be opened through Costco. Pays a competitive rate and their online portal is very easy to use.

I tried HSBC when they wer paying 6% on new money and their sign in was a pain, account set up was a challenge and their call center out of Buffalo NY took about 15 minutes to get through each time I called.

With respect to bills and people throwing them away I am not buying it. What most companies are looking to do is have customers sign up for Automated billing statements. By moving to electronic processes, it is safer. more cost effective for them and allows for a greater amount of stickiness with respect to customer loyalty.

[GoUSC]

What credit card companies want is people who don’t pay their bill in full. The industry calls those of us that do pay our balance in full at the end of the month “Deadbeats”. CC companies, hitorically, want to collect as much interest & fees as possible because they know holders have very little switching costs between cards. Now the situation might be different as most people can’t even afford to make their interest payument.

[GoUSC]

What credit card companies want is people who don’t pay their bill in full. The industry calls those of us that do pay our balance in full at the end of the month “Deadbeats”. CC companies, hitorically, want to collect as much interest & fees as possible because they know holders have very little switching costs between cards. Now the situation might be different as most people can’t even afford to make their interest payument.

[GoUSC]

What credit card companies want is people who don’t pay their bill in full. The industry calls those of us that do pay our balance in full at the end of the month “Deadbeats”. CC companies, hitorically, want to collect as much interest & fees as possible because they know holders have very little switching costs between cards. Now the situation might be different as most people can’t even afford to make their interest payument.

[GoUSC]

What credit card companies want is people who don’t pay their bill in full. The industry calls those of us that do pay our balance in full at the end of the month “Deadbeats”. CC companies, hitorically, want to collect as much interest & fees as possible because they know holders have very little switching costs between cards. Now the situation might be different as most people can’t even afford to make their interest payument.

[GoUSC]

What credit card companies want is people who don’t pay their bill in full. The industry calls those of us that do pay our balance in full at the end of the month “Deadbeats”. CC companies, hitorically, want to collect as much interest & fees as possible because they know holders have very little switching costs between cards. Now the situation might be different as most people can’t even afford to make their interest payument.

[Raybyrnes]

I use AMX Clear, and Amex Blue for purchases but I like Capital One’s MMA that can be opened through Costco. Pays a competitive rate and their online portal is very easy to use.

I tried HSBC when they wer paying 6% on new money and their sign in was a pain, account set up was a challenge and their call center out of Buffalo NY took about 15 minutes to get through each time I called.

With respect to bills and people throwing them away I am not buying it. What most companies are looking to do is have customers sign up for Automated billing statements. By moving to electronic processes, it is safer. more cost effective for them and allows for a greater amount of stickiness with respect to customer loyalty.

[Raybyrnes]

I use AMX Clear, and Amex Blue for purchases but I like Capital One’s MMA that can be opened through Costco. Pays a competitive rate and their online portal is very easy to use.

I tried HSBC when they wer paying 6% on new money and their sign in was a pain, account set up was a challenge and their call center out of Buffalo NY took about 15 minutes to get through each time I called.

With respect to bills and people throwing them away I am not buying it. What most companies are looking to do is have customers sign up for Automated billing statements. By moving to electronic processes, it is safer. more cost effective for them and allows for a greater amount of stickiness with respect to customer loyalty.

[Raybyrnes]

I use AMX Clear, and Amex Blue for purchases but I like Capital One’s MMA that can be opened through Costco. Pays a competitive rate and their online portal is very easy to use.

I tried HSBC when they wer paying 6% on new money and their sign in was a pain, account set up was a challenge and their call center out of Buffalo NY took about 15 minutes to get through each time I called.

With respect to bills and people throwing them away I am not buying it. What most companies are looking to do is have customers sign up for Automated billing statements. By moving to electronic processes, it is safer. more cost effective for them and allows for a greater amount of stickiness with respect to customer loyalty.

[Raybyrnes]

I use AMX Clear, and Amex Blue for purchases but I like Capital One’s MMA that can be opened through Costco. Pays a competitive rate and their online portal is very easy to use.

I tried HSBC when they wer paying 6% on new money and their sign in was a pain, account set up was a challenge and their call center out of Buffalo NY took about 15 minutes to get through each time I called.

With respect to bills and people throwing them away I am not buying it. What most companies are looking to do is have customers sign up for Automated billing statements. By moving to electronic processes, it is safer. more cost effective for them and allows for a greater amount of stickiness with respect to customer loyalty.

[Anonymous]

Get the most out of capital one miles
Go to maxrewardtravel.com

What we can do. example-
Lets say the travel is $356 Capital one will want like 60k miles for this. I will book your flights charge the capital one card $350
and charge the other 6 to another card. You can use your travel reimbursment to get the $350 reimbursed for just 35k miles. You get a 1% return on your miles. This saves 25k miles. almost another flight. Thanks!

[Ricechex]

The problem with AMEX is that all vendors do not take it, especially small businesses, ie: hairstylist, local dog food store, etc. I believe it costs more for them to accept AMEX.

[Ricechex]

The problem with AMEX is that all vendors do not take it, especially small businesses, ie: hairstylist, local dog food store, etc. I believe it costs more for them to accept AMEX.

[Ricechex]

The problem with AMEX is that all vendors do not take it, especially small businesses, ie: hairstylist, local dog food store, etc. I believe it costs more for them to accept AMEX.

[Ricechex]

The problem with AMEX is that all vendors do not take it, especially small businesses, ie: hairstylist, local dog food store, etc. I believe it costs more for them to accept AMEX.

[Ricechex]

The problem with AMEX is that all vendors do not take it, especially small businesses, ie: hairstylist, local dog food store, etc. I believe it costs more for them to accept AMEX.

[Anonymous]

Get the most out of capital one miles
Go to maxrewardtravel.com

What we can do. example-
Lets say the travel is $356 Capital one will want like 60k miles for this. I will book your flights charge the capital one card $350
and charge the other 6 to another card. You can use your travel reimbursment to get the $350 reimbursed for just 35k miles. You get a 1% return on your miles. This saves 25k miles. almost another flight. Thanks!

[Anonymous]

Get the most out of capital one miles
Go to maxrewardtravel.com

What we can do. example-
Lets say the travel is $356 Capital one will want like 60k miles for this. I will book your flights charge the capital one card $350
and charge the other 6 to another card. You can use your travel reimbursment to get the $350 reimbursed for just 35k miles. You get a 1% return on your miles. This saves 25k miles. almost another flight. Thanks!

[Anonymous]

Get the most out of capital one miles
Go to maxrewardtravel.com

What we can do. example-
Lets say the travel is $356 Capital one will want like 60k miles for this. I will book your flights charge the capital one card $350
and charge the other 6 to another card. You can use your travel reimbursment to get the $350 reimbursed for just 35k miles. You get a 1% return on your miles. This saves 25k miles. almost another flight. Thanks!

[Anonymous]

Get the most out of capital one miles
Go to maxrewardtravel.com

What we can do. example-
Lets say the travel is $356 Capital one will want like 60k miles for this. I will book your flights charge the capital one card $350
and charge the other 6 to another card. You can use your travel reimbursment to get the $350 reimbursed for just 35k miles. You get a 1% return on your miles. This saves 25k miles. almost another flight. Thanks!

[Author]

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