You can see a great number of credit card companies that want you to apply for their credit cards. Every credit company has own specified terms. Every day they present you tons of offers by mail, email, TV ads, and by other endless ways. So, your main personal task is to choose the best credit card you can from the flood of bank offers. One of the main US banks is Capital One.
Excellent Credit You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.
This credit offer is only for people with Excellent credit history.
Good Credit You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.
This credit offer is only for people with Excellent or Good credit history.
Limited, Bad Credit You can apply if: you have had your own credit card or other loan for less than 3 years; you have defaulted on a loan more than once or have been declined for a credit card in the last 3 months.
Capital One was founded as Capital One Financial Corp. in 1988 by Nigel Morris and Richard Fairbank. That corporation was one of the credit card pioneers in 1990s. Their economic strategy was based on consumers lending, also called "monolines". That business was risky, because it was really remunerative in good times and very unfavorable in bad times. That is why a lot of such companies declared bankruptcy in the last 20 years. A notable fact is that Capital One survived in such hard bank competition during those years.
In 2005 because of the unstable situation in monocline industry Capital One changed to retail banking. They have a unique approach to banking. Capital One won the Wharton Infosys Business Transformation Award in 2002. They deserved this award for leading strategy restricted their credit cards.
Capital One is an international company today; there are headquarters in a number of countries: Canada (Toronto), United Kingdom (Nottingham), and Spain (Madrid). The Bank is also a sponsor of a number of football (soccer) teams in the United States and United Kingdom.
Capital One was the main sponsor for people who wanted to get H-1B visas in 2003. Also they received 100% rating released by the Human Rights Campaign on the Corporate Equality Index the same year. That corporation is also a parental company of Capital One Auto Finance, in Plano, Texas. That company became the main and biggest Internet auto credit company after buying PeopleFirst. At the first time they sold their cars only through auto dealerships and direct mail. Now Capital One Auto Finance lets you get auto loans online. It is a very interesting and useful option for the consumers.
Capital One is one of the most reliable U.S. banks issuing credit cards for consumers, small businesses and students. We offer you to apply online for Capital One credit card deals today. They offer you credit cards for excellent, good, fair, limited or no credit history. Capital One works with the most popular world payment systems - Visa and MasterCard.
Capital One credit card offers cover different competitive features, great benefits and rewards. The credit cards come with such features as low or no annual fee, low or 0% APRs on purchases and balance transfers, and low interest rates. Rewards programs built in the credit cards allow you to earn bonus miles or cash back and redeem them for travel, merchandise, cash, gift cards and more.
Find out what your credit history is, compare credit cards from Capital One designed specially for the credit you have, and apply online. Online applications you will be redirected to are secure, quick and easy.
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