Capital One UK 4+

I have always found Capital One to be a really good company.
Several years ago I found myself in financial difficulties because of some major life events. I ignored it for a while as I was too scared to face my problems. When I did engage with the company I was amazed at the reaction and the support I received. I eventually repaid my debt and closed my account.
Moving on a few years my situation had improved and I was accepted for a new account which actually surprised me.
I have managed my account well and just had my credit limit increased. I don’t plan to use the increase as I like to keep my balance relatively low (apart from Christmas!) but it makes me feel positive about my situation.
Thank you!

This is a good app in general but it does have some fundamental flaws. Firstly you brought out an update to allow users to view their pin on the app and it has not worked at all for me. Every time I go to the spot it should be, I get message saying it’ll be there when the bugs have been worked out. You should have worked the bugs out before launching the update. Secondly your payment plan option does not appear either. Although I do not personally need it , it is good to know I can use the app to set one up instead of having to spend 30 minutes on the phone. At least it would be good to know if you bothered to put it on the screen. Thirdly it seems to take at least 3 times as long to register that I have made a payment on the app. Other similar apps register a payment within a few hours of it being registered by my bank. I.e. if my account shows the money has gone out Monday evening, the app will show the payment received by Tuesday morning. This is not true of this app. Two other apps registered payments three and two days earlier that capital one despite the fact that they were all paid on the same day and capital one has the earliest payment date. It seems like the app has been designed to encourage late payments. If these three fundamental issues were sorted then this would be a 4/5 star app but at the moment it’s 1/2 star.

complete & utter rubbish. still no access to view PIN, let alone change it. no messaging. no way to raise chargebacks or fraud. no way to block merchants/transactions. no way to set up regular payments to merchants. slow to credit balances. (2 'working' days is a joke in the 21st century) no way to use basic income 2.0 (created in 2010) to repay card balances. insulting card limits & no way to raise them to useful level (could be secured by ubi 2.0). no affinity card programs in the UK. no complaint or feedback procedure. a new project lead is required, current manager is tired, & without imagination or vision. he/she is overpaid & underworked. the app is wasted opportunity. credit wise is a tragedy: inaccurate & the app offers no way to add notes, update address information, link addresses or names. another wasted opportunity. we could have had a new service, taking cashflow & assets into account. instead, capitalone uk show total lack of imagination, vision or drive to be anything but an insult to their own customers. over 1 million people unemployed in the uk but call centres abroad? why not secure in-app video calls with call takers in the uk? and why not use siri to interact with the app? why not use alexa?