In my humble opinion… Capitial One Credit Card Ripoff is something we are all familiar with. I wanted to say they charge a 26.9% interest rate at the minimum which will sink you over time. They have really bad customer service, they use people from India who speak very poor English and do not understand the basic English language. I would never recommend them to anyone. You are better off to pay cash or your ATM card versus having one of their credit cards. Capital One is a ripoff. If you check out other consumer complaints you will see how bad the creditor really is. Shop around before doing any business with them. My recommendation is you do not go with them and if you do read all the fine print since they like to trap you with silly offers to dupe you into obtaining a card, then they own you for life.