Capital One Classic Mastercard

I chose the Capital One credit card when I needed to get a credit card quickly to pay for my work expenses. I’d managed to avoid getting a credit card when at university but was forced into getting a credit card when I started my job as my work travel company wouldn’t accept switch. And so I was faced with deciding between the hundreds of credit cards that are available. (Please ignore the two long paragraphs at the end of this review if you’re not in the mood for some serious ranting – I just had to get it off my chest!) My priority when choosing a card was speed – I needed a card fast and ... more

No credit history? Bad credit? Self employed? Can't get a credit card? You probably can with Capital One! 'Aha!' I hear you cry. 'There are other companies that provide credit cards for people with difficult credit histories, so what makes Capital One so special?' 1) An easy application process: You can log on to Capital Ones website and complete the application online in a matter of minutes. At the end you get an immediate decision. The form is easy to fill in, you are guided every step of the way and best of all you aren't made to feel like a second class citizen just because you have had ... more

If you are just starting out and have no credit history or have a less than sparkling credit rating then a Capital One Classic Card may be for you. There are actually 2 options you can get - The Classic reviewed here or The Platinum which is for people with good credit records. You can apply online or in one of the many leaflets they drop into magazines these days. Applying online is relatively painless. It only took me 3 minutes to complete the form although at the end of my application the site hung and I wasn't sure that it had been accepted or not. I decided to wait and a few days later ... more

I don't usually get sucked in by TV adverts, but when I saw a credit card offering 4% cashback on purchases for the first 3 months my ears pricked up and I started to pay attention. I always transfer most of my salary into Halifax web saver account (Earning me nearly 5% interest) and pay for everything I possibly can by credit card, clearing the balance each month. Recently the amount of cashback that I have earned on my credit card has reduced to a meagre 0.5% from an original 2% so you can see why 4% cashback was attractive to me. Credit cards are great if you pay the balance off in full ... more

I have one of these! I have had my fair share of debt problems and hence my credit rating is not too brill - this is where Capital One came to the rescue. The hubby has no problem getting credit - but as for me - well they see me coming and run a mile - except for Capital One that is. They do a card especially for those with a duff credit history and they very kindly gave me a card all in my own name. Just on a side note did you know that how you handle your credit and pay your bills affects more than just your ability to get credit. Apparently quite a few lenders and employers will check your ... more