A necessary evil and an owned devil that?s what grandmothers would describe Credit Cards. The credit card but for our generation has come as a boon. If you are told that there is a person who is not aware of this beautiful peace of plastic it would come as a big surprise. Here a hypothetical situation is drawn that Credit card is as popular as anything in the world. We would venture deep in to its alleys and you will yourself find out, all the basic and imperative things about this particular company and its credit cards. The name of the company is Capital One.
The credit cards the Capital One has on its platter are distinct in the nature and fabrics and thus require a keen gaze. So to make things more lucid, there is a division of the cards in category according to the credit rating of individual. That is how the Capital One has different cards for people from great to not such great credit history. That will make the things look clearer and you can make out that which cards of Capital One are viable for you. Let?s begin:
People with excellent credit:
so how would you know that what are the terms on which you will in the bracketed with those elites .the bank has some particular perimeter to put people in to this column they are;
if you have a loan or credit card for last five years
if you have a credit card with credit limit greater then $10000
if you have not been more then 60 day late on credit card, medical bill or loan payment.
if you are never been declared bankrupt
So you have to fulfill the above mentioned criteria you would be able to get these credit cards of Capital One. Now the other things you must know about the credit card under this category and benefits too.
A. Capital One no hassle cash rewards:
there are many benefit attached to this card such as 1% Cash back from day one on everything you buy. You do not have to pay any sort of membership fees for this card. The number of cash back you can avail depends on your shopping and it doesn't have the cap on it so you will get 1% cash bash on each of your purchase. The bank has also not fixed any minimum amount for you to avail cash back so even it is a very minimal amount you will avail the cash back. So people who are big shoppers, this card is made especially for you. Shop till you drop is the mantra here.
B. Capital One no hassle miles visa signature:
as the name suggests the card is meant especially for frequent flyers. There is no limit to miles you can earn .more purchases means you have more miles in your account and that can get you not only big discount but also dinner vouches and free travels. So grab your shopping bags and start using you air mile card may be you can win free tickets to Bahamas and free dinner vouchers too. For all these benefits you have to shell out an annual membership fees of $39.
C. Capital One no hassle mile rewards:
this is the extension of the miles visa card but her you have a benefit that you do not have to pay any membership fee but instead of earning 2 miles for every dollar spend on purchase in the air mile visa card you will receive only1.25 miles per 1 dollar spending. All other benefits are almost similar.
D. Capital one platinum: prestige:
This card also comes with no membership fees attached further there is variable APR on purchase and balance transfer.
These are some types of card that require an impeccable credit history but even if you do not have one, do not be hampered as these things in plastic are not limited to few people of society. Now talk about those cards, which even people with a credit history, that need some improvement can avail. So how do the banks decide on those people who need credit improvement? They again follow some parameters and if you fulfill the criteria you are no longer away from being the rat in rat race of credit cards:
If you currently have or had a credit card or have or had a United States loan.
Your credit card limit is less then $5000.
If due to any reason you had been late for the payment of more than one credit card, medical bill or loan repayment in last six months.
Do not worry as Capital One card is made and designed specially for the brethren like you.
A. Capital one no hassle credit rewards:
At annual membership fees of $29 you avail of benefits such as 1% cash back from day one and the cash backs doesn?t have any limitation. Variable APR on purchase and balance transfer. 25% bonus each year on cash you have earned last year.
B. Capital one premium card:
The membership fee is $19 annually. Variable APR on balance transfers and purchase currently at 14.9% apart from this you can choose design for your card
So if you are the person who is afraid that he doesn't have that impeccable credit go straight to the nearest branch of capital one and avail this wonderful gift of plastic.
You See! Not all plastics are toxic?
The credit cards the Capital One has on its platter are distinct in the nature and fabrics and thus require a keen gaze. So to make things more lucid, there is a division of the cards in category according to the credit rating of individual. That is how the Capital One has different cards for people from great to not such great credit history. That will make the things look clearer and you can make out that which cards of Capital One are viable for you. Let?s begin:
People with excellent credit:
so how would you know that what are the terms on which you will in the bracketed with those elites .the bank has some particular perimeter to put people in to this column they are;
if you have a loan or credit card for last five years
if you have a credit card with credit limit greater then $10000
if you have not been more then 60 day late on credit card, medical bill or loan payment.
if you are never been declared bankrupt
So you have to fulfill the above mentioned criteria you would be able to get these credit cards of Capital One. Now the other things you must know about the credit card under this category and benefits too.
A. Capital One no hassle cash rewards:
there are many benefit attached to this card such as 1% Cash back from day one on everything you buy. You do not have to pay any sort of membership fees for this card. The number of cash back you can avail depends on your shopping and it doesn't have the cap on it so you will get 1% cash bash on each of your purchase. The bank has also not fixed any minimum amount for you to avail cash back so even it is a very minimal amount you will avail the cash back. So people who are big shoppers, this card is made especially for you. Shop till you drop is the mantra here.
B. Capital One no hassle miles visa signature:
as the name suggests the card is meant especially for frequent flyers. There is no limit to miles you can earn .more purchases means you have more miles in your account and that can get you not only big discount but also dinner vouches and free travels. So grab your shopping bags and start using you air mile card may be you can win free tickets to Bahamas and free dinner vouchers too. For all these benefits you have to shell out an annual membership fees of $39.
C. Capital One no hassle mile rewards:
this is the extension of the miles visa card but her you have a benefit that you do not have to pay any membership fee but instead of earning 2 miles for every dollar spend on purchase in the air mile visa card you will receive only1.25 miles per 1 dollar spending. All other benefits are almost similar.
D. Capital one platinum: prestige:
This card also comes with no membership fees attached further there is variable APR on purchase and balance transfer.
These are some types of card that require an impeccable credit history but even if you do not have one, do not be hampered as these things in plastic are not limited to few people of society. Now talk about those cards, which even people with a credit history, that need some improvement can avail. So how do the banks decide on those people who need credit improvement? They again follow some parameters and if you fulfill the criteria you are no longer away from being the rat in rat race of credit cards:
If you currently have or had a credit card or have or had a United States loan.
Your credit card limit is less then $5000.
If due to any reason you had been late for the payment of more than one credit card, medical bill or loan repayment in last six months.
Do not worry as Capital One card is made and designed specially for the brethren like you.
A. Capital one no hassle credit rewards:
At annual membership fees of $29 you avail of benefits such as 1% cash back from day one and the cash backs doesn?t have any limitation. Variable APR on purchase and balance transfer. 25% bonus each year on cash you have earned last year.
B. Capital one premium card:
The membership fee is $19 annually. Variable APR on balance transfers and purchase currently at 14.9% apart from this you can choose design for your card
So if you are the person who is afraid that he doesn't have that impeccable credit go straight to the nearest branch of capital one and avail this wonderful gift of plastic.
You See! Not all plastics are toxic?
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