Starter card
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 3 reviews mentioning account frozen Show all
Reddit · r/CapitalOne · Sep 8, 2026
NegativeSummary of a Reddit comment
They had a regular Platinum card and a Quicksilver with cash back accumulated, and all accounts were closed within a week of one returned payment. Two years on they still get denied for new cards with Capital One.
Reddit · r/CapitalOne · Sep 8, 2026
NegativeSummary of a Reddit comment
They had a Capital One Platinum card, always paid on time and never over the limit, that was closed out of the blue after only six months. The rep gave a scripted response and they first learned of it through Credit Karma.
Reddit · r/CapitalOne · Jul 24, 2026
NegativeSummary of a Reddit post
After about three years with the Platinum and four months with a Quicksilver, a purchase was declined and both cards showed as restricted. Capital One said both were permanently closed for fraud, though their purchases matched and it would not reopen them.
Of the 48 reviews with a clear verdict, 46% are positive, 25% mixed and 29% negative. The praise mentioned most is great rewards. The most common complaint is account frozen.
The praise reviewers mention most: great rewards (1 review) and reliable (1 review). For example: They upgraded their Platinum to a Quicksilver when offered, and now have a higher limit and cash back. They use it rarely but say it is much better than the Platinum.
The complaints reviewers mention most: account frozen (3 reviews) and poor support (1 review). For example: They had a regular Platinum card and a Quicksilver with cash back accumulated, and all accounts were closed within a week of one returned payment. Two years on they still get denied for new cards with Capital One.
It's how well reviewed Capital One Platinum is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Starter card. Type: Credit card for fair credit. Fees: $0 annual fee.
48 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.