On Tap UK Ltd

This company is in a dark place. They arbitrarily monitor your transactions and place holds & limitations on your account based on whatever they come up with at that particular time. They loanshark you; high rates, & they don't even allow balance transfers.

This has been the worst process in obtaining a card, and then trying to make a payment. They send you links that dont work, make follow up phone calls which never get addressed, and then try to use my new password and am told it is incorrect. It has been extremely annoying and time consuming.

Fantastic company to do business with! Just got my initial line of credit a few months ago and already have got a boost to my credit limit. This is my "go to" card bar none!

They will freeze your account based off approval after having the account for months. 100 percent fraud lending. At any time they'll say you no longer qualify. and freeze your account, after you've proven to qualify and received approval months prior. WORST!

Avoid at all costs! If anyone wants to join in on a class action lawsuit please contact us. In our opinion they are the enemy. They are not a standard credit card company. They take payments only from Debit cards and make it hard to do business with them on purpose. We paid in full in one month and cancelled the card since they WOULDN'T GIVE THE PROMISED REWARDS WE EARNED! You read that correct! We earned $457 in one month and they decided we cant receive our rewards due?

I applied for this card and was denied in 30 seconds which lets me know that it's computerized. Then you have to wait 60 days to know why but it took 30 seconds. I have decent personal credit and excellent business credit so I'm not sure what other factors you search for beyond that. I do not recommend a company that doesn't use underwriters at least to make their decisions nor a company that you have to wait 60 days to know reasonings.

If your score has to be 700 then just state that so people won't waste their time. A lot of reviews says this company is predatory so denial probably was for my best interest.

Garbage company and garbage business card. You can't use your bank account to pay the full balance? They ask for a debit card to pay with? They called us and asked what each line item was used for! Actually asked us what we were purchasing and researched what each location we purchased. We felt violated and cancelled the card after paying in full. Look elsewhere

I have Divvy I guess they are one in the same because when I went to apply Divvy is what came up. Well the customer service is spectacular with helping out with whatever issues and they try to correct them in a timely manner. But when they cut my credit limit in half that is what prevented me from giving them a full 5 stars

Capital On Tap does approve companies quick and it's great for Capital if needed, but it's definitely predatory lending. An they also froze my $10,000 company C.C because we withdrawal the money to use as capital instead of using it directly off the card. Even the the card is frozen and can not be used they still continue to withdraw funds out of my personal bank account every single month.

They take hundreds out of my account, which I don't mind but it becomes a problem when they continue to take but not allow you to use the card. I warn all of you be very careful with this company, they are still trying to figure out how business operates in the U.S because they are a U.K company an they will freeze your card for multiple withdrawals, even though they only allow you to pull of $480 per day, which means you have to take multiple trips if your pulling the money off for business expenses.

Capital Approved my company for a very high credit limit that really help my company with the capital we needed to grow the business. I like how Capital on tap did only a soft pull on my credit to see If i would be a good fit for there company and I love how easy it is to the card. The reward points are amazing! I love this card!