I got approved for this card 2 months ago and so far it's been good. I got a $1000 credit limit with a 670 equifax score and average income ($50k). Utilization was 24% when I applied. I have two negatives on my report a bill from an student apartment complex that refused to let me out of my lease and I won't pay it because it's over 5 years old now and a charged off citi bank student card with an unpaid balance. This is my second cap1 card and I have a $1500 limit with my quicksilver card it started with a $300 limit. I also have a $18k auto loan with cap one at 7%. Capital One believes in giving people second chances and they don't turn their nose up at you for your past mistakes. Capital One has a customer for life with me.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 13.40% - 23.40%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* for 12 Months
- Purchase Regular APR 13.40% - 23.40%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I've never recieved a credit increase in over 2 years. I pay my bills on time and have a 730, 727 and 725 credit score. I have other Capital One credit card , both with $5000.00 limits. From my understanding the BuyPower card is not the same as other Capital One cards.
Customer Service is a joke! I guess they figure if you only have a $300.00 credit limit you need them more than they need you (WRONG). I canceled it today!
Don't waste your time with the BuyPower card you'll be frustrated!
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ 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.