When I called to activate my card, I was put thru to a very quick-speaking man. I was on my cell phone at the time, and when he said certain things, the reception would break up & I couldn't understand what he said (on top of how quickly he was speaking). My question is to anyone else who may have/had a Capital One credit card, what was the $0.99 thing I heard the man talk about? I said "No, I'm ok," but I don't know if he heard the "no" or just the "ok" part (When I call Customer Service, I can't get past the answering machine). I'm not sure what was added to my account. Can anyone help? Thanks so much!
2006-08-28 14:53:48 · 6 answers · asked by destiny21 2 in Business & Finance ➔ Credit
Generally speaking, you should not have to speak to a Capital One representative to activate your account. A sticker should have come with the card giving a phone number to call and activate the account. If you have a concern about what, if anything, was added to your Capital One card, go online to their website and, with a user name and password, you should be able to see what service was added to your account. Good luck...
2006-08-28 15:05:01 · answer #1 · answered by BooValu2 3 · 0⤊ 0⤋
You usually need to activate your card from your home phone unless your cell phone is the number on the account. That is how they verify that it is the cardholder and not some thief calling to activate the card.
Don't know what the .99 exactly. My quess is he was hitting you up for the insurance that would cover you if you became disabled or out of work. It is usually .89 -.99 cents per $100 dollars of the balance per month.
2006-08-28 14:59:07 · answer #2 · answered by Sam B 4 · 0⤊ 0⤋
To activate Captial One cards you must speak with a representative. They tell you then how much your credit limit is and go over all the terms and conditions. The $.99 most likely was the credit protection program. I activated my Cap One MC in May.
2006-08-29 05:49:33 · answer #3 · answered by pn1500 2 · 0⤊ 0⤋
I think it was the credit protection fee. Where if you get injured or laid off from work they cancle your intrest for X amount of months and it usally is around 89 cents per 100. I would only get it if your job is not very stable or you have a hard time finding work.
2006-08-28 15:04:10 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Call up the credit card company and ask them.
2006-09-04 03:09:24 · answer #5 · answered by lawtech 2 · 0⤊ 0⤋
It was probably a payment protector plan. If you sign up on the website, you can see what is being charged to your account.
2006-08-28 15:01:08 · answer #6 · answered by sammie 4 · 0⤊ 0⤋