Is Capital One a good credit card to have?

[Ms.La723]

I just got my Capital One credit card in the mail a few days ago. I've fully read everything (yes the small print especially). But I just want someone that either has one or has had one to tell me if there good or not? I don't plan to use it much. And i plan to pay it off asap.

[ARTISTA]

I've had mine since I was 18...7 years now...and the APR is the lowest from all my other credit cards...and I have a lot I love it (it's leapord print)

[z☺☺mjet►►►]

I've never had a problem with Cap One - both their internet and telephone services are\very good; interest rates seem competitive on the whole."I don't plan to use it much. And i plan to pay it off asap."That should be my motto!!

[pacifictealblue]

I have worked for one of the planets larges banks for almost 8 years, in the credit card division, and I agree, the card is only as good as the holder. Your APR will largely depend on your credit score, always make payments larger than your minimum, and pay it off as often as possible. DO NOT BE LATE, make payments even if you do not get a statement, it is your responsibility even if you dont' receive one. Amex, Citi, and HSBC are a few of the worlds biggest and best banks, having open credit that you don't use can actually count against you, if you have more that 3 open credit accounts that you don't use is pointless, and is a fraud opportunity waiting to happen. close them if they do not have a balance, email me if you need advise, help or questins.

[Stacey S]

My boyfriend has a capital one, its good... for him but it all depends on you APR and monthly fees they offer you. Is this you're first credit card? If so may I suggest the orchard bank credit building credit card. My credit shot from poor and very poor at some credit bueuros too fair... but you can't spend alot cause the interest is a little high and there is a 200 deposit on it they take from your bank account you get back after a year of having the card.