Capital One

Posts Tagged ‘capital one’

What is the best credit card for 1st time users? I need it to shop online-generally (personal reasons).?

I am 19 years old and I really need to begin establishing my credit. I have read about what to look for in a credit card and what to watch out for, such as: no (hidden, setup, annual, etc) fees, no minimum balance, 0% to good interest rates, etc.

and to look for good reward programs if I’ll be using it often (which would be yes because I hate shopping at stores, isn’t it tedious?), online payment options etc.

The problem is that many of these great benefits that you should look for, truly, are offered and exclusive to people with good credit, it seems. I have no credit whatsoever and it seems as if there are Capital One’s in every corner of my town. I know it’s popular amongst 1st time users and I’m trying to open a savings/checking account and getting a credit/debit card. Any suggestions for the best credit card? name of it? or bank?

I have been seriously considering Charles Schwab’s checking account because it seems fantastic! is Charles Schwab’s, generally, a good bank?

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Best ways to build credit with no credit and a debit card?

A credit report site is unable produce my credit history because I had no credit even though I had a debit card issued by my bank for at least two years.

An almost unending stream of flow of credit card offers from Capital One, which I ignore. (I’m afraid that I would somehow misuse it in one way or another.)

I seem to have bad luck in getting jobs from school during the semester, either due to bad timing or looking in the wrong places.

I spent most of my checking on half the textbooks I bought from my college bookstore, none of which could be found online, except maybe in a marketplace.

Now I found out that I could save a great deal online on the other half of the books I need, for about half the price, Unfortunately, I don’t have enough in my checking, and I wanted to order my books asap, as the semester already started. (I was also afraid of losing my order.) Then there was this "bill me later" option and I thought, "Great, once my mom helps me deposit in a few days, I can pay by the end of the week!" And Wham! "Bill me later" was unable to process.

Feh. Bloody brilliant. And my mom was supposed to help me deposit today, er, well, yesterday

I apologize if there were a couple of points that didn’t seem to relate to this. The point is, how the heck am I supposed to build my credit if all the credit lenders would do is deny me or anybody in a similar situation? I’ve also heard that building credit is getting harder than before, especially those without credit like me. It’s seriously driving me insane.

I’ll thank you for your time. And please, don’t give all that "I am a lender" kind of crap. Nobody needs that.
It just seems to me that there have been some people who obviously doesn’t understand that I don’t like nonsense kind of answers, like the ones Mini and Oman posted. Please, don’t just post links. Explain them, personal experiences at best. Thank you.
Ted: You bring up a good point. Thanks! I haven’t really thought about it before, but now that I think about, it makes sense.

As to the credit card offers that I get (Capital One mostly, and Discovery, recently), would that be a good a idea to take up one of their offers? What do you guys think? Which card do you guys recommend for college kid like me, all school and no work?

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Which credit card would be best for a first time?

Is Capital One a good place to get your first credit card or New Millennium Bank.
New Millennium Bank Offers me a master card and a visa with a credit limit of 10,000 – 5,000 for visa and 5,000 for master card. Capital One one the other hand does not tell me my credit limit untill after I apply but it guaranties at least 0 minimum.
I have a card from sony financial my limit with them is 600 but i could only but sony stuff or sound system stores that accept it so i realy dont cout that one. Or should I?

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How should I pay off my credit cards?

My husband and I have two credit cards. no car payment, no home loan etc.
We transferred his car loan to one credit card which has no interest for one year.

Bank of American (university Alumni card) 0% APR until Sept 00 on 00 credit limit

Capital one 7% APR 80 on 3400 credit limit

now, how should we pay off them? My husband has pretty good credit score. but, we want to raise his score more.

What do you think?

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How long should I wait until applying for a secured credit card?

I have posted a smiliar question earlier, and i got great feedback! thanks! I didnt know you couldnt reply to answers in your question so here goes another….

I just applied to my last credit card 2 weeks ago (it was my second application ever, first one was back in august). I have no credit history (never had any loans, lines of credit, bills in my name, nothing) and i am trying to build it. I have been told to get a department store card, gas card, store only card or a secured credit card. I figured this may be the easiest way to go, the secured card, even though i dont feel comfortable/cant really afford to shell out 0-00 right now (im in the middle of moving). however, since i applied for the last credit card only 2 weeks ago, do i still have to wait the suggested amount of time (3 months) until i apply for a SECURED card?

or do you think i will have a very good chance with a WALMART store only card? That card i would actually use on a weekly basis as compared to a sears card or something of that nature.

Capital one also advertises on their website in the compare credit cards section, a tier of credit cards for "LIMITED HISTORY" applicants. does anyone have any experience/knowledge with these? would i have a good shot at one of these?

I just need to start building credit ASAP and i also cant really afford those darn "suggested waiting times" of 3 months in between applications!

THANK YOU!!

Looking for a good secured credit card?

I’ve heard Capital One and Orchard Bank are good choices but I don’t know anything about either one nor do I have experience with credit. So who offers the best secured credit card for the building of credit?

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What is the best credit card to get?

I currently have capital one which offers some rewards, but I think there may be a better card out there w/a good credit standing?

I have very good credit, which would be the best credit card to use? thanks
Best APR with best rewards

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What's the best credit card to get to help rebuild credit?

I want to get one credit card to rebuild credit. What’s the best one right now. I hear Capital One is a really bad one. We filed chapter 7 after losing a business and get tons of offers. I don’t plan on using it other than to just keep a small balance and show good payment history. We are working on getting back into a house in the next year. We sold our house to avoid foreclosure and are currently renting.

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Which is the best credit card to get after bankruptcy?

I recently filed for Chapter 7 bankruptcy and have begun to receive numerous credit card offers by mail. I want to begin repairing my credit so that I can buy a house within the next 2-3 years. However, I want to be extra careful about the card I choose. What sort of things should I look for in a credit card offer? I recently received an offer from Capital One with the following terms: no annual fee, 0%APR for 6 months (12.9% thereafter) and at least ,000 in credit. It also states that automatic credit increases will be made to the account if you use the card within 90 days and make the first three minimum payments on time. It sounds sort of reasonable to me but I’ve also read a lot of negative things about Capital One. Should I just wait some more until I get better credit card offers from other banks? What are my options? Thanks.

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What's the best credit card company?

I’m have very limited or no credit at all and would like to know what the best offers are out there. No capital one. When i say best i mean no annual fee, low apr,