College Student Card (Capital One)

Pros: Easy to obtain
Cons: Customer service is bad, APR is high

Despite the glowing epinions posted by other members of this glorious community, I am going to have to disagree about how great Capital One is. My experiences with Capital One lead me to believe that it is perhaps the worst credit company on the market....

Pros: Better than competitors with lower fees and rates.
Cons: Same as any card for bad credit.

I read a number of reviews on Capital One card and I think that people are very biased towards it. I’ll try to cover both sides of the question – pluses and minuses. Bear with me… Capital One Controversy If you look at the reviews ...

Pros: No annual fee, usually good customer service, very good website
Cons: Continuing solicitations, high APR if you plan on keeping a balance

I got my Capital One card in 2002. I've never had any problems with Capital One, aside from continuing solicitations for their other cards. My credit limit started at what seemed to be a small $200, which I believe is about average. However, if you ...

Pros: helps establish credit if used wisely, instant purchases
Cons: who pays the bills, destroys credit if used unwise

There has been a debate for sometime about allowing students/minors to have credit cards. As usual, there are two sides to the argument:

The first side

The credit card companies (Capital One and various other low credit...

Pros: Great way to establish responsibility and credit, It has a grace period
Cons: very Low credit line, high APR, Customer service doesn't care, late fee's

Capital One student card

This offer comes to you in the mail when your a high school senior, or in your first 2 years of college.

Their marketing technique of choice is to send your application with 15 colorful stickers; you get to...

Pros: Online management, great customer service
Cons: high APR...nothing else really

Right when I finished high school, Capital One sent me a preapproved credit card in the mail. I decided to get it so that I could begin to build my credit.

The initial credit line they gave me was only $200. Since I only was a freshman in...

Pros: Easy to be approved
Cons: Too many to list. Read my review and Google search "capital one fraud"

As of the time of this writing, the State of West Virginia is sueing the company for its illegal operations. No wonder. You will see once you get one of their credit cards. I had applied for their "no annual fee" credit card, and shortly after they ...

Pros: great credit card designs, easy to use, accepted all over, great customer service
Cons: don't start out with a lot of credit, no rewards or cash back

I've had a Capital One credit card for almost three years, and I have never had any problems with it. I started out with a $500 credit limit and that was raised to $1000 after the first year. I expect another limit increase in a few months. I've never...

Pros: Easy approval & online management
Cons: Low credit limit, high APR, & "special offers"

I have not looked into other student cards; therefore I cannot compare my Capital One card, only share my experience with it thus far.

Acquiring the Capital One College Student card was simple. I had heard about it through friends and decided...

Pros: Easy to get, convenient, good customer service
Cons: High interest rate (but moot if balance is paid off)

As a college student with almost no income, I was hard pressed to find a credit card that: 1) didn't require an annual fee; 2) didn't require a security deposit (secured card) The Capital One student card was the answer. No annual fee, a decent credit ...

Pros: Low interest rates! Fixed transfer balance rate of 9.9%!! Web access!!! No hassles!!!!
Cons: None

I had two Providian credit cards as my first cards before this card. A Gold Visa and a Gold Mastercard each with 19.9% interest! Which weren't that great, but I was happy to have credit established. But then Providian sold their accounts to compucred ...

Pros: Ease of obtaining credit card, online access
Cons: Customer Service, rigid policy regarding credit limit

My son has had this card for 2 years and uses it frequently. Payments were always made on time and over the Internet. On two occasions he has come close to or exceeded the credit limit of $500. In each case payment was made within a day or two. A ...

Pros: Increased credit limit regularly, Good Website, Interest Rates Good
Cons: Customer Service, Website Problems, Refusal to waive late fees

I have had my Capital One account for almost two years during which time I have found Capital One to be a good company with which to do business. However, over the past month I have experienced a situation which has caused me to seriously consider moving...

Pros: Cute TV commercials
Cons: God, I don't know where to start.... Read my review.

The best single word for Capital One is "Predatory". Their advertisements are cute and funny, but that's where the enjoyment stops. They have NO grace period, cascading levels of penalties and fees, and you'd better have Almighty God as your legal ...

Pros: great start for the student without a credit history; simple online service
Cons: no real benefits that could not be found or exceeded on other cards

The CapitalOne Visa College card is the first credit card that I ever received. Unfortunately, it will probobally be the first I get rid of in my effort to maximize my credit potential. Let me emphasize that the card helped me to establish the credit to...