Capital One® Platinum

Save with a 0% intro APR until October 2009 on purchases and balance transfers Save time and money by transferring higher-rate balances so you can make one easy payment each month No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 12.90* None* Yes* Good Credit*

Review: Capital One® Platinum

Type of credit needed: Above Average Credit

Type of card: Credit/Consumer

Issued by: Capital One®

Overview: The Capital One Platinum credit card is designed for individuals who have above average credit. This card includes numerous benefits, including around the clock customer service and travel accident insurance. Cardholders can also receive discounts when they use their card to make select online purchases at Yahoo! Shopping. Aside from these discounts, there are no special benefits for cardholders, and no rewards program is included with the card. Although there is no introductory APR, the interest rates for purchases and balance transfers are reasonable, so this card is a suitable option for those who occasionally carry a balance. The cash advance rates are fairly high. There are no annual fees or balance transfer fees for the Capital One Platinum credit card, and the spending limits are quite high.

Pro and cons of the card:

Pros:

• Benefits like around the clock customer services are included
• Cardholders can receive discounts on select Yahoo! Shopping purchases
• Reasonable interest rates for purchases and balance transfers
• Good option for those who carry a balance
• No annual fee
• No balance transfer fees
• High spending limits

Cons:

• No introductory APR offered
• No rewards program
• High cash advances rates

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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