CapitalOne is great as long as everything works and you don't need customer service. But good customer service stories are very few and very far between for CapitalOne users.
I think they mean well, but their international customer service isn't, and they don't want to spend the time and effort that it takes to drive great service for their customers.
I have to chime in here. Horrible experience for most of my trips abroad using my Cap1 No Hassle Rewards card. I always called their fraud department 1 week before I left to inform them my travel plan. For the first trip everything worked fine until they declined a USD100 train ticket. For the 2nd trip they sent me a warning email in the 3rd day saying they suspected some fraud charges and asked me to call. Nevertheless all the transactions were legit and they eventually went through.
I am now in my 3rd trip and this turns out to be my worst experience with Cap1. As always I called the automated travel number and several days later I called their fraud dept. to make sure my request went thru and everything was alright. Was assured so. On the 2nd day of my trip my card was locked. They asked me to call them to verify some minor charges which I did. When I asked why this happened, they said they had no way to control the system even though my account already had a travel override. Asked if they would manually examine such locks and they said they didn't know. After the CSR has unlocked my card I asked if this would happen again, and she said she couldn't promise anything as "this can happen again in the next day or so....."
What's so good about no forex fees if my card is constantly locked. And I am not travelling to places that are notorious for credit card frauds!
I also heard that some people got screwed by calling collect to their credit card companies from abroad. Is this true?