Capital One Credit Card offers a credit card with no annual fee for those people who have not consolidated their debts or are still paying off high interest credit cards. The Capital One credit card features an assortment of benefits including travel points and frequent flyer miles that can save you hundreds of dollars each year if used wisely. The credit limit is low but the annual percentage rate (APR) is high. You will pay a higher APR than a credit card with a lower limit but lower APR.
One of the benefits of this credit card is the availability of an 800 phone number. When you call this number, you dial an automated system to connect you to a live representative of Capital One. This representative will take down your information and advise you on the different options available to you and the corresponding terms and conditions. The representative may also transfer your balance to another introductory offer credit card or transfer your credit card balance to another low interest rate card. This allows you to maximize your savings by transferring your credit card balances to an interest rate card with a longer term, resulting in significantly reduced interest payments each month.
If you are curious as to why Capital One chose your phone number, here it is. Capital One Credit Card was founded by a group of financial experts who wanted to come up with a way to better serve the average American. In order to do this, they developed an automated telephone system that could connect customers with a representative whenever they needed help. This way, those who didn't have direct access to help could get their banking needs handled with ease. Although Capital One Credit Cards is operated through automated phone systems, the customer service representatives actually interact with the potential customer, speaking to them live as well as providing valuable information about their account and credit card.
One of Capital One's most popular credit cards is the Preferred Card, which offers a variety of perks and benefits for individuals who choose to use it. The card comes with a zero percent introductory rate for up to twelve months on purchases, after which the interest rate will increase to fifteen percent. You can also enjoy a rewards program, including cash back, air miles and much more. Another perk of the Preferred Card is the fact that you only pay the interest on the credit card that you carry. As long as you own this particular card, you will never be charged any interest charges on your other credit cards.
The one credit card that is unique among Capital One Credit Cards is the Cash Back Credit Card, which pays you up to two percent for each dollar you charge to your account. This means that every time you make a purchase, you will receive back a specific amount of money. The card earns its cash back benefits from the purchases you make using your card, so you will be able to maximize the rewards program that you have at no additional cost. This credit card is perfect for anyone who needs an easy way to earn rewards.
The Credit Card Office is open twenty-four hours a day, seven days a week. You can contact them anytime of the day or night, by phone or email. In addition, if you need any help with the application process, they are also available twenty-four hours a day, seven days a week. For more information on Capital One Credit Cards, including their terms and conditions please visit the company's website.