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Capital one credit cards offer special features and
benefits which are carefully matched to your specific needs. Capital
one definition of people with excellent credit, above average credit,
credit that needs improvement or persons new to credit is defined below
1. Persons with excellent credit are
people:-
- Who are holding a credit card with more than
$10,000 limit
- Who've had a credit card for more than 3 years
- Person's who've never declared bankruptcy
- Who've never been more than sixty days late in
making payments on their credit card or loan payment
- If you fall under this category and would like to
get a card the benefits include a variable rate on purchases and
balance transfers of between 5.9% to 9.9%, earn upto 3% cashback on
groceries & gas and 1% on other purchases, no annual fee is
charged plus you get to choose your own card design. For those who
travel frequently you can get the Capital One No Hassle Miles
Ultra card that earns you two miles for each dollar spent.
2. Persons with Above Average Credit are
those-
- Who've had a credit card for 3 or more years
- Who own a credit card with a limit of $5,000 to
$10,000
- Who've never been more than sixty days late on
making payments on their credit card or loan payment
- If you fall under this category and would like to
get a card the benefits include a variable rate on purchases and
balance transfers, currently 8.9% , no annual fee is charged plus you
get to choose your own card design.
3.People whose credit needs improvement
are those:-
- Who have a loan
- Who own a card with a credit limit of less than
$5,000
- Who might have been late in making payments on
credit cards or loans in the last 6 months.
- If you fall under this category and would like to
get a card the benefits include a variable rate on purchases and
balance transfers, currently 14.9%, $19 annual fee and you get to
choose your own card design
4. People who are new to credit are those:-
- Who've never owned a credit card or have a card for
less than 3 years
- Who are students, new person in the country or
someone authorised to use someone's else card
- If you fall under this category and would like to
get a card the benefits include a variable rate on purchases and
balance transfers, no annual fee is charged plus you get to chose your
own card design
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