This card WILL REALLY HELP your credit score, IF, you pay your bill ON TIME, by THE DUE DATE. Believe me! My score was in the poor range (still there, BUT, CLIMBING out) This card boosted my score up as followed: TransUnion = Up by 53pts / Equifax = Up by 58pts / Experian = Up by 67pts. All I can say is, THANK YOU JESUS, THANK YOU CAPITAL ONE, AND, THANK YOU CREDIT KARMA. I am determined to continue to pay on time, keep my credit usage BELOW (30%) and simply just be more responsible in my finances. Great card for a second chance. THANK YOU!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 26.48%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 26.48%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I had this card for 3 years and it was great to get my score back up, but after 2 years of on time payments and low balance, they would never give me a increase. I paid off the card and they charged me interest on a paid off card! I closed the account. Luckily I have graduated to better cards. Just know what you are getting into when you get this card.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.