Capital One UK 4+

A good app for keeping track of your spend and to put your card on hold if need to. Sends a quick response when you or your partner spends which is a great feature.
A couple of bugs and I’m not sure what causes this is that sometimes when I shop it lists the item twice and shows as pending. This makes it look like the store has taken money twice but it does rectify itself in 3 days.
Glad to see that the payment method is now direct from your bank and does not take the three days to clear payment. This is an improvement.
Lastly, I use my card every month but get no loyalty bonus points or air miles. I pay it off every month but stilll no loyalty bonus so I am now looking for a card that does. One final thing my credit limit has not changed in 5 years even though I have a high credit score and pay the card off every month in full.

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.

“I’ve had my Capital One credit card for a while now, and it’s been nothing short of amazing! The application process was quick and easy, and I got approved even with a less-than-perfect credit score. Since then, I’ve been able to steadily build my credit, and my limit has increased a few times, which has really helped with my financial flexibility.

The rewards are excellent too — earning cashback on everyday purchases is such a nice bonus! Plus, their customer service is always friendly and helpful, and the app makes managing everything a breeze. No hidden fees, great benefits, and perfect for building credit. I couldn’t recommend this card more highly!”