Capital One – The Company:
Shawna & I have one main Credit Card, it is with the company Capital One (www.capitalone.com), which up until now, has been fairly easy to work with (despite some of their stupid policies like most major CC companies have).
We can pay our bills online, normally speak to a human being on the phone in less than 5 minutes of calling in, avoid the paper bills (using their paperless system), and we will be able to use our Credit Card overseas (everywhere they accept Visa) with no extra ‘overseas charges’. So far so good.
I just noticed that our credit card (like my passport) is going to be expiring while we’re overseas. To make sure that we don’t have any headaches, like not being able to have my new Credit Card shipped to me overseas (because of some “we don’t ship overseas” policy) or having it expire while we’re over there (and not having an emergency funding source available to us), I decide to call into Capital One to request an updated Credit Card with an updated expiration date on it because this would solve any potential issues we may have (besides theft of course).
I ring up Capital One and explain the situation to them… …the female representative replies back to me in a foreign accent, “Sir, we are unable to send you a credit card that has an updated expiration date on it, as that is an automated system that only happens two (2) months before your card expires”. I reply, “Oh, okay. Do you think you could ask your manager if there is some sort of a manual way to do this, even if it means for me to a pay a small fee to have it done?” She does. When she returns, she informs me that “there is no way we can do that Sir…Can we ship your Credit Card to a United States address and then you can ask someone to mail overseas for you?” …
… Maybe I’m making a bigger deal out of this than it actually is, but it’s extremely frustrating to me that it is now going to have to be the responsibility of my parents (or some local friend) to purchase and mail a Certified Overnight International Shipment (most likely costing $40-60 because an active Credit Card is not the sort of thing you want floating around casually, hopefully arriving at some temporary doorstep)!
Are you really telling me that your International (highly advanced) computer system doesn’t have an option to say “Print Mr. Meyer’s Credit Card Earlier Than Expected & Change His Expiration Date To Match The New Print Date”? Bullshit!!!
This is either an extremely stupid Credit Card system, company policy or a lazy representative that doesn’t really care about trying to find a solution for a customer with a $3,500 credit limit (that’s small). Either way, it’s bullshit! Thanks for nothing Capital One (it makes me want to interview other Credit Card companies and see if they have better customer service, even if I have to pay an annual membership fee and then switch all of our money market and CC accounts to them)!
When traveling overseas with local Credit Cards &/or Debit Cards, make sure to call your banking institutions and let them know that you’re leaving the country a minimum of two weeks before you actually leave. If you don’t, your card will be considered stolen and shut down until they can verify that it is actually you trying to buy things on a now declining card. Capital One also told us that if you’re going overseas for an extended time period, like we are, you will have to call in every two months to let them know that you’re still there and you need to ‘extend your usage on your card for overseas use’. We use the free and ‘oh so awesome’ google calendar for reminders like this (because it emails, texts and pops up on our screen when a reminder is due), it may be helpful for you also.
Thanks for reading and let us know if you have any questions or comments…most importantly, have an Awesome Day!