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Capitol one and all other credit cards are good and useful. They make it possible for people to make purchases guilt free. they permit us to defer payments until such time as cash is readily available. What could be wrong with such a useful financial tool? The drawback to Capitol one and the numerous other credit cards is that they are too easy to get. When I returned to college I saw a booth set up in the student union building. A man was getting students to sign up for as many different credit cards as possible(Capitol one among them).For each credit card application filled out the college students got a free t shirt. The man in the booth did not ask the students if they could afford to take on multiple credit cards, or how they would pay for them. All he asked was "Do you want a large or extra large?" young people are irresponsible, that is to be expected . Credit card companies need to be responsible.