Kris A.

Capital One has been my credit card provider for several years now. They have increased my credit limit a few times without me ever having to request it. Each time, they increased it by $1,000. I started out with a $750 credit limit and my current credit limit is $3,750.

I also recently upgraded to their Quicksilver rewards card, so I am earning 1.5% cash back on EVERY transaction. I had received the offer to apply for this upgrade several times via email, but I didn't take advantage of it until they actually sent me an offer to upgrade without even applying -- so I didn't have to enter/update any of my info such as my income, didn't have to have my credit pinged, or anything like that. Kept my same account, card number, due date, interest rate, etc. I was really pleased.

I think I've only dealt with Capital One customer service once, when there was an unauthorized transaction with my card (although I had not lost it) and I requested a new one. To my memory, the phone call was very quick, easy, and smooth. Got my new card with no issues, and I was not charged for the unauthorized transaction.

I have never had to carry a balance; my card has been paid off in full on time every month. Therefore, the high interest rate has not affected me. My interest rate is 22-point something, not quite at the very top of the high end of the interest rate scale but pretty high up there. I have not tried requesting a lowering of the interest rate, but I plan to. It would be nice to know that if I ever do have to actually use it as a CREDIT card and carry a balance if I find myself facing some sort of emergency, that I wouldn't have a monstrous amount of interest to pay. The interest rate is the only reason I didn't give a full 5 stars.

I initially got approved for my card with them back when I had no credit history and other cards would not approve me due to my lack of a credit record. I can understand a high interest rate in that situation, but since I've been with them for several years and paying reliably, I think a lower interest rate is in order.

I saw another review from someone whose Capital One card apparently got canceled because the card was always being paid off on time and Capital One wasn't making any money off him. If that's true, thank God that hasn't happened to me and I hope it doesn't. That's really concerning if true.

I have a great credit history, but my CareCredit application was denied due to them apparently being unable to verify my identity. Uh, what? I provided all requested information for the online application. They wouldn't tell me what the specific problem was with the identity verification nor give me an option to provide any additional info that would be needed. Instead I got a generalized statement in the mail that I was denied due to their inability to satisfactorily verify my identity. I wrote to the provided address to ask if I could provide any lacking information so my application could be reconsidered, and I then received another generalized, unhelpful response/denial in the mail.

There is no reason they shouldn't be able to verify who I am. I'm a U.S. citizen and have been since birth. I don't know what the hell their problem is or why they're unwilling to sort it out with me. Nope, just deny. What a crock.

CareCredit goes through Synchrony bank, meaning this may be more a review of Synchrony than of CareCredit, but hey if CareCredit is choosing to partner with Synchrony and this is what happens, then CareCredit deserves the review as well.

I recently came upon a booth this company was running at a convention, and I bought 3 different TV series collections from them. I paid $100 for one of the sets and $50 for each of the others. I was thinking these were official copies of the shows. They actually seem to be self compiled by the people running this company. When I realized this (from the fact that a few of the discs were in paper CD sleeves and that the ink on a few of the discs was smeared as if it had been handled while wet from printing), I checked out their online website and read it. It makes it sound like what they're doing is legal by claiming the shows they're selling are not commercially available... but I purchased Rugrats, Batman Beyond and The Batman from them. Looks to me like those are all available new on Amazon. I saw Doug for sale at their booth for $70... I see it (new) on Amazon for $19.26. In fact I remember seeing a number of shows there which I know are commercially available. Looks like those shows aren't available on the Times Forgotten website though. So they only sell the illegal ones in person and keep them off the website to cover their tracks?
I never would have spent so much money if I'd known what I was buying. That kind of price is only deserved for an official item. And in addition to what I mentioned, the discs come all in one stack inside the DVD case. Not a nice way to keep them, even though it results in compact storage for the show being all in one case.

Before Times Forgotten claims I bought from someone else... I was handed a Times Forgotten business card with the "www.timesforgottendvd.com" website listed and an address in Albuquerque, NM. So I either bought from Times Forgotten, or there are scammers posing as Times Forgotten at conventions. And the Times Forgotten Facebook page says they were at the convention I found them at.

Editing to add: I've discovered one episode so far in which the audio is sped up and out of sync with the show (it's unwatchable), and a few episodes so far which can't be selected from the disc menu and can only be viewed by playing all and skipping to them. I'm very disturbed I actually paid for this.