www.MyCapitalOneCard.com Offers - Read Before You Apply!
www.MyCapitalOneCard.com is the credit card center to respond to pre-approved
credit card offers from Capital One®. If you are thinking of applying for a Capital
One® credit card because you have received your pre-approved offer in
the mail, think again and read this before you apply!
ConsumerAffairs has received thousands of complaints against Capital
One® from angry consumers.
"Capital One® should join the circus. It has more tricks up
its sleeve than any magician we know of. Its favorite is the low-limit
credit card that, through sleight of hand, goes almost immediately into
the over-limit category, piling up charges, fees and penalties faster
than you can say abracadabra." - ConsumerAffairs.com
Still want to accept your pre-approved offer at www.MyCapitalOneCard.com? An article that
was recently published in BusinessWeek tells the story of Brad Kehn and
his wife. The couple was offered multiple cards with low limit by Capital
One®, but then they got slammed with hefty fees every time they were
over the limit.
| "Credit card experts and counselors who
help overextended debtors say there's nothing crazy about it. Cap
One, they contend, is simply aiming to maximize fee income from
debtors who may be less sophisticated and who may not have many
options because of their credit history. By offering several cards
with low limits, instead of one with a larger limit, the odds are
increased that cardholders will exceed their limits, garnering over-limit
fees. Juggling several cards also increases the chance consumers
may be late on a payment, incurring an additional fee. And if cardholders
fall behind, they pile up over-limit and late fees on several cards
instead of just one." - Capital
One's Credit Trap by BusinessWeek |
Capital One® is a very aggressive marketing company and they generate
a large portion of their revenue from fees. If you get behind in payments,
the fees and charges can be relentless. Their current default interest
rate is over 28% - that's almost 3 times more than what Citibank charges! So, let's try be a smarter consumer
and don't be another victim of credit trap. If you are looking for a
good credit card that offers lower interest rate, higher credit limit,
better rewards program, or less fees than Capital One®, here is what we recommend. Whether you have
good credit, bad credit or no credit at all, there are better options
for you.
If you are a small business owner or college student, please
click here for recommendations.
| Category |
Credit Card Name |
Interest Rate |
Key Benefits |
Credit Needed |
| Low Interest |
Citi® Platinum Select® Card
 |
As low as 11.99%* |
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more
|
Good Credit
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Learn More |
| Airline Miles |
Miles by Discover® Card
 |
11.99%* |
- Book any travel through any airline, travel agent or online travel
site
- Double Miles on up to $3,000 in travel and restaurant purchases each
year
- 1 Mile for every $1 on all your other purchases
- Unlimited Miles that never expire as long as you use your card
- Redeem for travel credits to your account, gift cards from any of
our 70 brand-name Partners or cash starting at just 1,000 Miles
- No annual fee
|
Excellent Credit
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Learn
More |
| Cash Back |
Discover® More(SM) Card
 |
11.99%* |
- 5% Cashback Bonus® in categories like travel, home, gas,
restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our
exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards
from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on purchases, and 6 months on balance
transfers
|
Good Credit
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Learn
More |
| Prepaid |
AccountNow Prepaid Visa® Card
|
N/A |
- Build your credit with the new iAdvance loan option(SM)
- Instant guaranteed approval* – no credit check, no security
deposit
- $0 activation fee – when you load your card by direct deposit
- Free Direct Deposit – no more check cashing fees
- Free online check writing – no need for expensive money orders
- This is a debit-card, not a credit card
|
Bad / No Credit OK
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Learn
More |
 |
| College Student |
Citi® mtvU(TM) Platinum Select®
Visa® Card for College Students
|
14.24%* |
- 0% APR* on purchases and balance transfers for 6 months
- Earn 5 ThankYou Points® for every dollar you spend at restaurants,
bookstores, record stores, movie theaters and video rental stores
- Earn 1 ThankYou Point for every dollar you spend on all other purchases
- Earn 25 ThankYou Points every month when you pay on time and don't
go over your credit limit
- Earn up to 2000 ThankYou Points twice a year for maintaining a good
GPA
- Redeem points for gift cards, travel, electronics, music and more
|
No Credit OK
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Learn
More |
* Please see the credit card online application for details
about terms and conditions of each credit card offer. Reasonable efforts are
made to maintain accurate information. However all credit card information is
presented without warranty.
|