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Capital One Description

Capital One is a market leader and we offer credit cards with great rates, even to
people who have had trouble getting credit in the past. Our approval rates are
among the highest in the industry.

Capital One - Latest Promotions

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Capital One Reveiws

As someone who has never needed to use a credit card until two years ago, I had
never given much thought to applying for one until as a consequence
of my job I have to travel a lot. I had always subscribed to the fact that if
you didn't have enough money to pay for something then you couldn't afford it.
(My fathers saying!!)

So imagine my surprise when I applied to a few credit card companies
and had my application declined. When you get a decision from a credit card
company that has declined your application they give you the address of the
my credit report. Which had absoloutely nothing on it, apart from the last 3
addresses I had lived at.

I just couldn't understand how if I had never had any credit
problems how I was being refused credit. Well apparently therein lies the problem,
if you have never had any credit then the credit card companies will not entertain
you it is as bad as having a poor credit rating.

That is until I discovered Capital One, this company specialises
in supplying credit cards to those of us who have never had credit or for people
with poor credit history's. I applied and was duly accepted for their card,
although it comes at a price. The yearly fee is £18 and the Apr is much
higher than normal credit card companies, but I suppose this is how they offset
their losses when they take on dodgy customers who don't pay their bills.

The other downfall about this card is that the credit limit
offer starts of quite low, apparently they range from £200 to £1000.
I started of on a credit limit of £600 which after a year I was able to
increase to £1000. although not ideal it suits my purpose for work.

Customer service from this company is extremely good there is
an automated phone line where you can check your balance, last transactions
etc. but if you wish to speak to a customer rep. this is also available very
quickly. They also have their own website where you can keep track on your account.

Initially I had planned to use this account just to improve
my credit rating, but I have now applied for their platinum card as I like the
service I have received from this company and they really are a lifeline for
people like me who find that after 36 years they need to start using a credit
card but have no credit history through no fault of their own.

BlueBishop.co.uk is an affiliate of Capital One.