DO NOT GET CAPITAL ONE! If you get behind, they are the only company I have ever encountered that will not work with you. They refuse to lower the interest or take off any late fees or put you on a hardship program. They want it all now, and if you can't pay a certain high amount, they will bring warrant in debt against you- something I was told credit cards didn't do and something I have never seen any other credit card do. If you cannot pay it ALL, and they are still adding interest every day until you owe over double your credit limit- they will take your bank account, your paycheck and/or put lien on your property. They are brutal and heartless. You may start out with good intentions and never think you'll fall behind but you never know what may happen in the future. No one ever expects to end up in the deep shits but it happens. It's better not to deal with them despite their 'funny' commercials.
They will give a card to just about anybody, even the unemployed, and they don't care if you can pay because they'll sue you anyway. I have personally seen many young college students sued, as well as the elderly and handicapped. They do not care. They are Mr. Potter from "It's a Wonderful Life." They will sue you even after you're charged off. When other companies charge off, they ruin your credit and write you off as a loss on their taxes. Capital One does that, and sues you anyway, collecting every little cent of interest along the way even after charge off.
Actually the commercials remind me of my experience with them- the Vikings with the spears? That's them when you get behind. The 2 guys in the boxcar? That's how they ended up homeless. What's in your wallet? Nothing, thanks to them.
