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Home Credit Card How to Select and Manage the Best Credit Card of Capital One

How to Select and Manage the Best Credit Card of Capital One

Where can I apply for the best credit card? What is the best credit card for a college student who doesn’t have a well-paid job? What type of card can bring me more special offers? Those are frequently asked questions in popular forums or BBS such as Quora as well as Yahoo. But how to define “best”? Every applicant has his or her unique financial background which requires diversified features such as low APR, hotel and airline discounts, or low credit score requirements, etc. Fortunately, Capital One Financial Service company provides more than 6 kinds of credit cards to fulfill different demands of personal finance management.  Let’s get a better understanding about Capital One credit cards, their payment process and other online banking services through this article.

Three Steps to Get Your Own Capital One Credit Card

Select: For the green hands, credit card selecting process seems to be an obstacle because there may be only one or two kinds are exclusively designed for them, though tons of other more beneficial cards are listed on the screen. Capital One Financial Service Company has 3 solutions with respect to your credit:

  1. Rebuilding Credit: If you have defaulted on a loan more than once or have been declined for a credit card in the last 3 months, then, you have a credit stain which will make it more difficult to apply for a credit card issued severely on credit score.
  2. Average Credit: If you have defaulted on a loan in the past 5 years or you have only a limited credit history (such as a new comer to the US as well as a student), you are suggest to apply for cards such as Platinum and classic Platinum.
  3. Excellent Credit: If you have never declined on a credit card more than 60 days and you have a loan or credit card with credit limit more than $5,000 for more than 3 years, you will have more choices such as Venture and Quicksilver Rewards.

For more information about credit score and to check whether you are qualified, read Capital One Credit Selection carefully.

Apply: After selecting a perfect card for yourself, you can apply for it online instead of going to the bank. It will save your more time to complete the whole process in a protected online environment. Read the guidance of Capital One Credit Card Application to see how to apply for a Capital One credit card online.

Activate: Though you have got your card after online application, it doesn’t mean you can use it until you activate your new Capital One credit card online. This process is a little complicated since you have to register a Capital One account, sign in and complete five steps of activation online. That will cost you a little more time than applying for a new card. If you have forgot your username or password, it will be even more fuzzy. So the guidance will be necessary and helpful.

Upon completion of all the three steps above, you are a real Capital One credit card owner.You can make payments online and offline, transfer your balance and enjoy the special offer brought by the card. Remember to take responsibility and pay off your bills on time. Your good finance management actions will get your credit scores raised gradually.

Other Online Banking Services of Capital One

360 Saving: While making full use of a Capital One credit card, you also have to make a thorough saving plan so as to make an earlier preparation for your retirement and emergencies. Capital One 360 Saving Plan will help you enjoy the fun of saving online automatically.