Requirements for Credit and Products Available

by admin on September 5, 2014

Capital One offers flexible and affordable financial products, including used and new vehicle loans, mortgages, small business and personal accounts, and credit cards. There are secured and unsecured cards for customers with different income levels and credit rating.

Capital One Credit Cards

The bank requires that customers provide their social insurance number to run a credit check. Borrowers with excellent credit have access to exclusive benefits such as zero introductory annual fee, 15 percent off at participating merchants, discounts on business purchases, and more. Business cards offer discounts on entertainment and dining, business services, office supplies and staples, and more.

Brand-name cr-cmerchants and hotels offer discounts on qualifying purchases. The bank offers secured cards with no over-the-limit and transfer fees. Customers are charged late payment and cash advance fees. Consumers with bad credit improve their score and chances to qualify for unsecured cards. Maxing out credit cards also has a negative impact on one’s credit profile.

The bank offers a variety of credit cards with cashback and travel rewards. There are different products with business and retail rewards, annual fee waivers, and unlimited miles and cashback. Miles can be exchanged for travel and airfare, gift cards, cash rebates, merchandise, and more. The bank offers different specialty cards, including secured, competitive rate, and student cards. Capital One offers student cards with perks such as flexible redemption and unlimited cashback. Customers are allowed to redeem cash online, by phone, and automatically for account credit, checks, and gift certificates. There are different cards for businesses and individual customers that go with unlimited earnings, low annual fees, and travel upgrades. Customers enjoy benefits such as wine and fine dining experiences, tickets for major football games and golf outings, and others.

Credit Cards and Other Borrowing Solutions

The bank offers cards that help borrowers meet everyday expenses such as personal care products, accessories, gas, and others. Cards by Capital One help pay for groceries, fuel, car payments, satellite service, hair care and clothing, gifts and charitable giving, subscriptions, and gym membership. Mortgage and consumer loans are offered to customers who plan to purchase equipment, tools of trade, land, etc. The bank features loans and refinancing options, including adjustable and fixed rate loans.

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