Capital One Credit Card offers low interest rates on purchases and cash advances, but the credit card is marketed as a card that allows you to do more. The ability to make purchases online or at stores around the world, and the optional international cards, make it a useful tool for business people who are on the road a lot. But for those that need to be mobile, or would prefer not to carry cash, credit cards are a poor substitute. Some of the credit cards on the market today, such as the Discover More card and the Discover Serve card, provide a basic account to be used for purchases and cash advances. These are simple accounts that may be used as a debit card for online purchases, but they will not do much for a business person that needs to travel.
An option for credit card balance transfer is the Capital One Credit Card. This card provides an application form that is used for purchases at gas stations, drugstores, grocery stores, and other participating establishments. The card has a standard $100 limit for purchases, but there is an additional bonus feature. If the cardholder uses their card to make a purchase at the restaurant, he or she just visited, or buys gas at a participating station while traveling, the discount applied to the card's purchase will be applied to the applicable balance. The discount can be as much as 10%, but only if the cardholder visits the specified establishment.
The Card, available at many banks, is easy to use. There is a symbol located on the back of the card that has a clock-like hands pointing to the time of day. The account is generally found on the left-hand side of the card, just beneath the credit line. The user can then make payments by placing the card's logo-covered plastic strip against a magnetic reading device at the service station, gas station, or grocery store, and the appropriate amount will appear on the reading device for the cardholder to swipe in order to gain access to the discounts shown.
A Capital One credit card balance transfer allows a card holder to keep his or her current credit card balance by transferring the balance to another account. There are many benefits to this option, including lower monthly payments. For people who have a high interest rate credit card balance, the savings could pay off the balance in a few months' time. The credit card balance can be closed or placed in a savings account once the balance has been transferred. This option is a money-saver for people who may not be able to pay all of their credit card balances at the end of each month.
The standard interest rate on a Capital One credit card is 4.9%, which is tied to the prime rate of interest. After the balance transfer, card holders can expect to receive a statement detailing the amount they owe, the remaining balance, and any ongoing fees or charges. This is the perfect way to avoid being overcharged. Also, cardholders do not need to cancel or stop using their credit cards in order to take advantage of this option. They only need to stop making new purchases and start paying off the balance before the introductory period ends. Cardholders can expect to see savings in as little as three months, depending on how much they used their credit cards for during the period.
Many cardholders will find that using a Capital One credit card balance transfer is the easiest way to make ends meet. They do not have to pay extra fees for cash advances, as well as annual fees and ongoing costs such as maintenance and service fees. Cardholders can transfer their balances to another credit card, but they can also keep the same card and continue making payments. The choice is up to the cardholder.
Capital One Credit Card offers one low introductory rate, but there are other low introductory rates available. Cardholders can find out what current credit card offers they have by visiting the web site for each company or asking their card representative. Then, they will be able to compare Capital One Credit Card balance transfer offers with other cards to see which one will offer them the most attractive rates.
Cardholders can also choose between multiple card transfers when they apply for a Capital One Credit Card balance transfer. This means that a single card can be used for purchases, dining and traveling expenses, home improvement expenses and even rent if necessary. This allows the card holder to take advantage of all that a credit card offers while still limiting their spending and debt. Credit card balances can be cleared quickly if the card holder has the right mindset about it.
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Capital One card is an introductory offer just for new cardholders. The banks that issue Capital One credit cards are all over the place, and compete with each other to get your business. Each card is different but provides the same basic benefits. There is the free flight when you use the card, reward ...
Recently a Capital One Credit Card was recently lost by the issuer to an unknown thief. The thief got away with $500 from the card user. There are several precautionary steps that should be taken when you lose your Capital One Credit Card. First, never sign any checks for money online. It appears legitimate ...