Capital One credit cards have risen to become one of the most common credit cards used by consumer. The credit card company has an interesting history that tells the story about how the Capital One credit card came into existence. The company, founded in 1988, exploded into retail banking in 2005. Capital One acquired Hibernia National Bank (2005), Bancorporation (2006), and Chevy Chase Bank (2008) to become the phenomenal company that it is today. Capital One dove into the consumer lending market and has been a success ever since. Capital One is a name the people know and trust. It is extremely beneficial to own a Capital One credit card.
Benefits of a Capital One Credit Card
· Available Accounts For All Credit Ratings
Many credit cards pull a customer’s credit to determine credit card approval. Capital One offers credit cards to people with perfect credit to bad credit. This offers an amazing opportunity for those with less than perfect credit to build or rebuild credit history.
· Helpful Website
Capital One offers a superior website that cardholders can use to track account activity. Customers can pay bills, print statements, e-mail a representative and more. The website is extremely user-friendly and resourceful.
· Necessary Credit Rating Provided
Unlike other credit cards, Capital One provides customers with the necessary credit rating to receive approval for a credit card. This information is available on the Capital One website for credit card customers and potential cardholders. The website offers credit according to the categories of average, excellent, and rebuilding credit. Customers do not have to waste time hoping to qualify for a credit card that does not offer specific criteria for approval.
· Zero Fraud Liability
Cardholders are not responsible for fraudulent charges made to the Capital One credit card. Not every credit card company offers this benefit to customers. Capital one monitors cardholders’ accounts 24 hours a day, 7 days a week to minimize the chances of fraud happening to customers.
· Credit Card Personalization
Cardholders have the opportunity to personalized credit cards with a picture of choice. Many people choose to use a personal photo, which is a great way to combat fraud. Personalization makes it easy to determine if the person using the card is the actual cardholder.
· Card Lab Connect
This remarkable program offers the same benefits of national organizations but without the hassle. Cardholders must register an organization, create a credit card design, and market the credit card supporters to begin earning money when the cardholders spend money. Capital One donates money when the credit cards are used, and offers money for the organization based on specific purchases.
· No Hassle Rewards
Capital One offers credit cards that offer rewards to cardholders. Customers can select a specific credit card that offers rewards on customer spending. Unlike many credit cards, Capital One allows the cardholder to choose the rewards without any hassles or restrictions. Credit card users can use rewards for flights and merchandise, as well as receive cash rewards.
· Online Education
Capital One offers financial education for cardholders. Customers receive financial educational tools that teach customers how to handle credit and money. The interactive system provides extensive information that helps customers make smart financial decisions. Customers can explore the Capital One website to enjoy the benefit s of this service.
· Donate to Charities Without Hassle
Capital One offers a program that allows cardholders the opportunity to donate money to charities. Capital One has 1.2 verified charities that cardholders can donate funds. Cardholders can donate with confidence, and Capital One covers any transaction fees that occur as a result of donating. Customers can donate with confidence with Capital One.
How to Get Approved for a Capital One Credit Card
Receiving approval for a Capital One credit card is easy due to the credit rating categories offered by Capital One. To receive a credit card, customer must do the following:
- Determine credit score and use this information to decide which category applies,
- Check the terms, fees, and interest rate to determine if this is the right card,
- Provide the necessary information to complete the application,
- Check the status of submitted application,
- Check to make sure that the terms are the same and print a copy, and
- Enjoy the Capital One Credit Card.
The new and improved Capital One has something for everyone. Potential cardholders can receive approval no matter what the credit score. There is a card that suits the needs of everyone thanks to Capital One. Remember to spend responsibly.