Capital One Credit Cards Can Open Doors
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Capital One is Not Just about Credit Cards
Capital One has been offering credit cards as an independent company since 1995. Now with 46.7 million global customers (give or take a few! ), they are quickly rising to the top of the credit card food chain.
You may think that Capital One only offers credit cards, but there's more to them than that. If you are a homeowner, for instance, Capital One (teamed with Central Capital) can help you find a flexible loan for home improvements or any other purpose. You can borrow up to $60,000 and spread the payments out over twenty-five years if you'd like. A word of caution when it comes to putting your home on the line for other financing - if you don't repay the loan according to the terms, your house can be repossessed.
Capital One also provides a mortgage service through their Independent Mortgage Review Program provided by London & Country Mortgages, LTD. The Independent Mortgage Review will help you refinance your existing mortgage or find the best deal on a first time mortgage.
I Don't Want a Mortgage from Capital One, I Want a Credit Card!
If it's a credit card you're after, Capital One most likely has what you're looking for. For those with excellent credit, Capital One offers their No Hassle Platinum MasterCard with a 6.9% variable interest rate. If your credit is pretty good or you have a balance to transfer, you may qualify for their Premier Visa Card with a 17.9% APR. Lastly, if your credit is in bad shape, you may qualify for the Classic Visa Card with a 29.9% variable rate.
Capital One offers several ways to protect their credit card customers from fraud and identity theft. Their customer service department will keep a watchful eye on your account for any unusual activity. You are also 100% protected from fraudulent online activities.
They also warn their customers against hoax emails. The emails will contain a hoax web site and attempt to obtain confidential personal information like account numbers, PIN numbers and passwords. Capital One, Visa or MasterCard will never send emails of this nature - so don't be fooled!
If Not a Credit Card, What Else Can Capital One Do for Me?
Mortgages, refinancing, credit cards and savings accounts? Yes, that's right, Capital One offers two types of savings accounts to its customers - a fixed rate savings account and an easy access savings account. The fixed rate account gives you a higher interest rate on the money in your account, but offers little access to the money without penalty. You can elect to have your interest paid monthly or annually and invest $5000 to $1 million.
The Easy Access Savings account offers a lower interest rate and a bonus of 0.5% in your first year. The account offers unlimited free access to your money whenever you choose and annual or monthly interest payments. you can invest $2000 to $1 million.
In a nutshell, Capital One is a diverse credit card company, offering many services to it's millions of customer. They deserve a look!
Posted by jonathan on February 03, 2005 at 07:02 PM