Credit Card Review: Capital One® Platinum

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Are you a student, a young adult working for a living or a newcomer to the U.S.A.? Are you short of credit history or do you lack it at all? If all these statements are true for you, it means you are a limited credit person and it is quite a hassle for you to get a reasonable line of credit.

Not here, not now. We represent a new offer from Capital One bank, a card issuer catering for all types of credit consumers, including those who are having difficulties with credit. Capital One Platinum MasterCard is designed to prove that limited payment history and low scores are not a sound reason to deny a beneficial line of credit for applicants determined to improve their records.

Getting approved for Capital One Platinum MasterCard, which is easy and fast, you obtain a powerful tool to manage your finances smartly and improve your credit rating more efficiently and less expensively.

As soon as you are approved for the card, you can forget about the necessity to save. The credit limit, which is no less than $300 and as high as $3 000, enables you to have pleasant spending experience, and at the same time restrains you from rash spending.

Capital One Platinum MasterCard is a perfect offer for customers who tend to avoid paying interests. 0% Intro purchases APR for as long as February 2009 will make it possible to buy things and save a great deal on interest charges. Just make sure you pay balances in full and your purchases will cost you nothing!

This MasterCard is meant to provide you with continual saving opportunities through the life of the balance. An incredibly low variable APR on purchases after the intro period and no less enticing balance transfer APR are some of the most valuable Platinum benefits typical of a regular good credit card.
With Capital One Platinum MasterCard you get access to these features and benefit from them, while improving your credit history through regular and full monthly payments. Capital one reports your credit behavior to all the major score tracking bureaus, making it easier for you to obtain favorable payment records and solid FICO scores.

A bunch of other exclusive benefits, $0 fraud liability, extended warranty program, auto rental insurance and others will apply with this offer for limited credit history. Don’t waste time on search. Apply for Capital One Platinum MasterCard and you’ll get the nicest deal for your credit rating.

(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:

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:

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

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Notes: The review on Capital One® Platinum 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.