Credit Card Review: Capital One® Platinum

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Looking for a credit card to satisfy your limited history options? Your search will be crowned with success here. Capital One, one of the few companies servicing customers with less than good credit, introduces a new product doomed to unconditional success. Capital One Platinum has been designed for credit limited customers to give them extended spending capacity, pleasant pricing and a bunch of benefits typical of a regular bank card for good payment records.

Now you do not have to waste your time saving up from each of your paycheque to make a desirable purchase. Applying for this card from Capital One, you get up to $3,000 credit limit, high enough to obtain a valuable thing. Your great spending power will not cost you as much as you might suppose. Capital One Platinum belongs to those rare card offers that charge surprisingly moderate annual fees and really competitive interest rates on purchases.

Things are getting even finer when you discover the availability of such benefit as 0% Intro APR on purchases with Capital One Platinum card. Has your limited payment history ever allowed you to have such an option? Use your card for everyday expenses and pay no interest to the bank until February 2009! Capital One Platinum is a perfect saving tool for customers who are disciplined and responsible enough to make full bill payments each month.

Petty annual fee, ridiculous ongoing APR after the teaser period and exclusive Platinum card benefits will make Capital One customers feel almost equal to good and excellent credit consumers, so much favored and valued by banks and companies.

And who says that Capital One does not appreciate its customers’ loyalty? The new Capital One Platinum is a perfect proof that the issuer cares about customers’ comfort, benefits and security. It all starts with an individually chosen design. Once you are approved for the card, you are allowed to upload a preferred image from the bank’s site and have it printed on your plastic.

Shopping at Capital One Saving Zone, you are entitled to fabulous discounts that may reach 40% for the featured items. 24-hour travel & emergency assistance, extended warranty program on purchases and $0 liability in case your plastic is lost or stolen are all meant to protect your credit consumer’s rights and give you more convenience.

The world’s most renowned brand name, Visa, gives you access to card payment services all around the world. Apply for Capital One Platinum card now and get rid of your limited credit bounds.

(Review Updated: September 30, 2008)

0% Intro APR on Purchases for until February 2009
8.9% Regular Variable APR for Purchases
22.9% Regular Variable APR for Cash Advances

25 days Grace Period

(* 0% Intro APR on Purchases until February 2009)

Finance Configuration: Average daily balance (including new purchases)

Additional Cardholders: n/a

Late Payment Fee: Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balance of $250 or more = $39 fee

Over-The-Limit Fee: $19

Cash Advance Fee: 3% of amount of the cash advance, but not less than $10

Balance Transfer Fee: n/a

Minimum Credit Limit: $300

Maximum Credit Limit: $3000

Type of Reward: None

Additional Features for Capital One® Platinum - Visa:

Various Internet account related services.
No liability for unauthorized transactions.
Roadside assistance.
Up to $100,000 in travel accident insurance.
Auto rental insurance.
Lost and stolen card reporting.
Emergency card replacement.
Emergency cash replacement.
See website for additional benefits.

Important Notes for Capital One® Platinum - Visa:

See website for complete terms and conditions of card usage and application disclosure.

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Notes: The review on Capital One® Platinum - Visa was updated on September 30, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.