Capital One 360 Debit Card provides its customers with a variety of options. The card gives the users the convenience of buying things using their credit cards and then paying for them at the end of the month. This convenience has made debit cards, a favorite way to pay bills, make reservations and pay cash for items purchased. Because of this, Capital One has become very popular in recent times. This article will give some information on the card itself and how it can help you out when you have bad credit.
The Capital One 360 debit card is a joint venture between Citibank and the Money Company, which is an indirect bank. With both these banks involved in the process, Capital One has become one of the most preferred cards in the country. The card offers various benefits and advantages to users. Some of these are as follows:
Credit limit: The card allows you to purchase items using your credit cards. However, if your credit limit is exhausted, the purchases will still be made. You will only be charged interest on the outstanding balance. You will also enjoy other facilities, such as online access and gift wrapping. If you are a frequent user of the internet, you would not like to miss out on any of these perks.
Balance transfer fee: You will be charged a one off balance transfer fee, which may seem very high compared to other cards. However, once you have paid your balance, you will be able to use this card again. The card also offers low interest rates. This means that you will be able to save money on interest payments and other costs associated with credit cards.
Protection from fraud: The card comes with fraud protection, which is not available with all cards. However, it is easy to add your personal details to the security features of the card, such as PIN numbers and security codes. This will help you avoid identity theft. In addition, you can also print receipts that will serve as proof of the purchase. This means that you can track all your transactions easily.
Electronic statements: Credit cards issued by Capital One 360 can be used to make payments online. You can also get online statements that you can use to make your payments. The online system allows you to make payments without printing out paper checks. You will also be able to track all your transactions online, which makes it easier for you to pay your bills and expenses.
E-locker protection: Capital One 360 lets you use their e-locker service, which will protect your cardholder's data. The e-locker serves as a virtual bank. If hackers manage to gain access to your account, they will not be able to use the cardholder's data to make purchases. The e-locker also protects your financial data, so you can still manage your credit accounts and card payments online. You can even cancel or change credit account by using your debit card online.
Savings account with e-limit: You can transfer your debit card balance to this savings account. With this added feature, you are able to reach your credit limit even faster. You can also choose to upgrade your savings account anytime. The rate offered for an upgrade depends on your current credit limit.
Protects cardholder's information: As mentioned earlier, Capital One 360 guarantees the safety of the cardholder's information. The system protects your information by detecting any fraudulent transactions and blocking it. This means unauthorized purchases will be rejected immediately. You can also monitor your transactions easily, simply by logging into your account at the website.
Easy application process: Capital One 360 has an easy application process, which does not take time. You do not have to pay extra fees just to apply for this card. It is also very convenient for your card holder since you only have to enter in your personal information once. You do not need to provide any other information, such as social security numbers, bank routing numbers, or any other kind of identifying information. Thus, Capital One 360 is very much suitable for people who have no experience in handling credit cards.
Overall, Capital One 360 is a great card for both credit card and debit card holders. This card is very easy to use, and it has many useful features. If you are looking for a card that gives you everything you need, then you should consider applying for this one.
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