Credit Karma recommended I apply for Capital One's "VentureOne" card with good approval odds. I decided to apply, as I'd been working on improving my credit for the past two years. However, not wanting to just jump in, I researched both cards using Credit Karma's community reviews, credit card metrics, and other credit card boards for opinions, regarding approval. The general consesus is to use Capital One's "pre-approval" tool. Based on Capital One's questions/ remarks for defining "Excellent", "Average," or "Rebuilding," I defined my credit as "Excellent" - even though it's far from it: From Credit Karma: TransUnion Vantage Score: 687 TransUnion "New Account" (traditional FICO estimate): 629 From Capital One's report: TransUnion: 642 I chose "Excellent' based on my personal profile of not having the "Average" negative remarks/ notes. In any case, back to the pre-approval tool, they came back with the VentureOne as a recommendation. So, I figured I'd apply for the VentureOne - no lie, having Credit Karma's "recommend for you" (and the past couple years of credit rebuilding and the research) gave me the 'courage' to submit. 60 seconds later: APPROVED! Addional Credit Profile Notes: GOOD: My credit utilization, deragotory remarks, total accounts (mostly student loans), and credit inquiries were all in "Excellent" status. BAD: My payment history was very poor (95%), and my average age was poor (4y 7m). CAVEATS: All of my open/ current accounts have been on-time/ no lates for the past 2-3 years. My older accounts are student loans approaching 10 years. Lastly, I have 3 CLOSED/ REMOVED collection accounts. The most recent (and last) collection was closed less than a month before applying. I have a decent salary: $63,000. Additional Credit Card Notes: This was the first 'real' credit card I applied for in the past 2 years, after being declined. However, I took note of the reasons why I was declined (Chase Freedom (05/2013) and Macy's (03/2013) ) and worked on improving the areas noted. I chose to apply for the VentureOne card because I want to finance a trip to visit family in Florida and future flights/ trips - I live in California. I also intend to use it for higher expenses, like auto maintenance, to build miles. In the same 10min window, I applied for both the VentureOne and Quicksilver (approved for both) basically because I'd "burned" a hard inquiry anyways. I've reviewed my credit reports, and as I thought, I only have one hard credit inquiry for both cards. I was planning on applying for both eventually anyways, so this was a nice 2 for 1 opportunity. I hope my review helps some people with similar situations. I'll re-review the card, after I've had it longer. But so far, it's working as I'd expected it to, the customer service has been courteous and easy to work with (I had to update my address before receiveng the card), and the website is user-friendly.

BEWARE - their app provides a "last statement balance" that if paid in full, will NOT avoid interest charges. I paid the "last statement balance" of $5,133 on November 25, and on December 12 they charged me $39 for a "daily spending amount" for all through November even though I had paid November in full. The only amount I left on the account was a $20 restaurant charge that isn't due until Jan 9. According to them, because I left those open $20 (that isn't due until Jan 9), that gives them the power to charge me full interest not only in those $20, but for all of November according to my "daily spending amount." So, essentially, my $20 restaurant charge ended up costing me $60 total! I spoke to a supervisor named Nicole and she played the "too bad, so sad" game and was not willing to assist. When I told her that I feel like I'm getting charged interest for things I've already paid off, she didn't care. She didn't offer any sort of professional customer service that a mega trillion dollar corporation should have. She kept cutting me off and repeating herself instead of listening to her consumer, her customer. Then again, it's because they are a mega corporation that they can afford to lose customers and not lose sleep over it. I expressed to her politely that I would no longer be using this credit card because I feel robbed as a consumer, and she couldn't have cared less. Her attitude was, "oh well." I will continue using this card only enough to keep it active and not have them close the account, as that would damage my credit score, but to anyone else thinking about using capital one, please heed my warning - BEWARE THEIR DECEITFUL FINANCE CHARGING METHOD.