![]() Capital One offers a range of services via mobile banking that could make managing a credit card account more simple and secure. They encourage customers to call in whenever they have an issue, need an assistance with their existing account, or have any queries before applying for a card. Capital One looks to set itself apart in its customer service, which is available 24 hours a day, 7 days a week. This works in minutes and won’t affect your existing credit score. ![]() Capital One has a tool called CreditWise which is able to provide your Equifax credit score for free. ![]() It will not affect your credit score and they say it provides 100% certainty before you actually apply for a card. ![]() They therefore have QuickCheck, a rapid response service that checks if you are eligible to apply for a credit card in as little as 60 seconds. Capital One strives to help customers choose the right card for them and ensures customers know what they are signing up for. Learn more about balance transfer credit cards The benefits of banking with Capital OneĬapital One offer many benefits for credit card customers and these are just some of them. Capital One suggest that these cards could be a suitable option for those wanting to save money on expensive interest payments, and to simplify debt payments.Ĭapital One typically charges a one-off fee to make a balance transfer and the low rate could be removed if payments are missed. Sometimes these cards can offer interest rates as low as 0%. These cards offered by Capital One are designed to transfer balances from other credit cards or existing debts to a lower interest rate. Learn more about credit builder credit cards Balance transfer cards While these cards might also come with a small credit limit, this can increase over time with evidence that you are able to use it responsibly. These are potentially suitable for a range of borrowers, from those with very limited credit histories to those with bad credit history who are finding it difficult to obtain credit. Even with a poor credit rating you’re eligible to apply for one of these cards, and provided you consistently make the monthly payments on time and stay below the monthly limit, it could help you build up your credit score to a healthy level. Credit building cardsĬapital One is one of a number of UK card issuers offering cards for people looking to improve their credit health. Types of credit cards from Capital OneĬapital likes to stress that its customers choose the right card for their individual needs as this is one of the most important stages in proper credit management. Capital One offers a streamlined and understandable application process along with transparent card charges and rates, and full support in managing your account. It helps do this with tools like its QuickCheck eligibility checker to quickly and easily check your eligibility for a card for free, without damaging your credit score.įurthermore, it bases its approach around simplicity, clarity and customer support. What is Capital One?Ĭapital One is one of the UK’s top ten largest card providers starting back in 1996 and has based its ethos around a fair and holistic approach to providing credit. It's always wise to check the terms of any deal before you borrow. Fees and rates are subject to change without notice. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. The representative APRs shown represent the interest rate offered to most successful applicants. Approval for any credit card depends on your status. ![]()
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