If you’re looking to build your credit or get cash back with credit cards, you’ve probably heard of Capital One. In this article, we’ll explore my personal experience with Capital One and why I think it’s a great option for everyone. But before we dive in, let me introduce myself. I’m Duane, the founder of How to Build Credit TV, where we provide free information about building credit, cash back, and everything you need to know about credit. If you want to know more, make sure to subscribe to our channel and click the notification bell to never miss an update.
My journey with Capital One
More than four years ago, I received a letter from Capital One that caught my attention. He promised a higher credit limit after five monthly payments. This offer intrigued me because I knew it would not only benefit my finances, but also improve my credit score. This was my first step into a relationship with Capital One.
Inclusive banking services for all
Capital One is an inclusive bank that welcomes everyone. Unlike proprietary banks that only cater to people with high credit scores or wealth, Capital One caters to a broad audience. Personally, I currently hold two Capital One credit cards: the Capital One Savor card and the Capital One Quicksilver card.
The Journey to Cash Rewards
I originally had the Capital One Platinum card, but it didn’t offer any cash back. However, I called Capital One to explore my options. They upgraded my card to Capital One Savor which allowed me to earn money back on my purchases. Plus, I already had the Capital One Quicksilver card, which was my first introduction to cash rewards. Even though the cash back rate was only 1.5%, it was an important step toward understanding the benefits of cash back programs.
Capital One as a strong bank
Based on my experience, I think Capital One is a solid bank for anyone looking for financial opportunities. Whether you’re looking to build credit, rebuild your credit, or just start making money, Capital One has options for you. They even offer the Capital One secured credit card, which is a great choice for those with limited or no credit history.
Going the extra mile with car loans
In addition to credit cards, Capital One also offers auto loans. When I desperately needed a car in 2015, Capital One took a chance. Despite my less than perfect credit score, they offered me a loan for the Honda Accord that I had always dreamed of owning. Although the 7.7% interest rate wasn’t the best, it was still better than many other banks. I am grateful for the opportunity they gave me.
The Capital One app: a user-friendly experience
One of the things I like about Capital One is their user-friendly app. It’s easy to navigate and provides clear information about your credit card transactions and cash back. By logging into the app, you can quickly access your available credit, rewards, and other account details.
With all these benefits, I highly recommend considering Capital One as your banking partner. It is a bank that caters to a wide range of people, offers various financial products and provides user-friendly tools to manage your finances.
If you have any questions or want to know more about credit building, cash back, or credit scores, leave a comment below. At How to Build TV Credit, we’re here to help you navigate the world of credit. Don’t forget to subscribe to our channel and click the notification bell for more informative videos. Thanks for reading, and until next time, take care and be blessed.
Images courtesy of Capital One
