Capital One Standard Platinum Credit Card
The Capital One Standard Platinum credit card is intended for individuals having average or limited credit history. This is also for those who had used credit cards previously for just less than three years or those who had not owned any credit card. Given that this card does not have any fee for balance transfers, it can be an alternative for persons who desire to transfer their balances from other cards that do have annual fee and it can be waived on the first year. This card can also be suitable for card applicants who wish to create their own credit by being responsible in paying off their bills on time and not going to go beyond the credit limit.
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The Capital One Standard Platinum credit card put forward a minimum credit line of $300 basing how worthy the cardholder is. The card does not have any rewards program and does have competitive APR. If you are looking for a card for the reason that you want to build your credit, this is the best and suitable card for you. The card allocates you to create your own of your card by picking over 100 designs or personalize your design. The card will also provide you text alerts for you to be aware and be reminded of all your transactions.
Credit Card Rates and Offers
The card present an APR of 24.9% for purchases, balance transfers and cash advances. The penalty APR is 29.40% and can be charged to your account if you will have late payment. If the APRs will be raised for that the payment that passed 60 days late, the penalty APR will be valid for an indefinite period if you will be doing six consecutive minimum payments on time having the same rate increase. The standard annual percentage rate of the card is comparably high.
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However, this card is offered to those individuals having average credit. The due date for you to settle your bills will be 25 days after the closing of every billing cycle. With that, you will not be charged with any interest with all your current purchases. Just make sure that you have paid off your past balances completely before or on the due date every month. For cash advances, you will be charged with interest on the transaction date. All of the interest rates can differ depending on changes of the prime rate.
Additional Card Benefits
Being a Capital One card member, you get additional benefits for having the card. One of the advantageous features is the $0 Fraud Liability. If your card is lost or stolen and is utilized with unauthorized transactions, you will not be accountable for all the charges. It will also give you 24-hour travel & emergency assistance. You will get hold of a new having the emergency card replacement program and be able to get cash advance in cases where you lost your card or it has been stolen.
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Aside from that, 24-hour roadside assistance is always present to help you when your car encounters problems. You will just give them a call and they will right away send assistance to handle everything. Extended warranty program is also given as you can obtain additional warranty protection at no extra charge even with the items you have purchased with your credit card that comes with a warranty.
That’s not all. Travel accident insurance will provide worldwide automatic travel insurance without any charge when you utilize your credit card to get your fare. Auto rental insurance features will allow you to rent a car using your credit card and will be provided with collision, damage and loss insurance.
See Also
Best Credit Cards Canada
Best Balance Transfer Credit Cards Canada
Best Cash Back Credit Cards Canada
Best Capital One Credit Cards Canada
Best MasterCard Credit Cards Canada
Best MBNA Credit Cards Canada
Best Visa Credit Cards Canada
Best Secured Credit Cards Canada
Travel Credit Cards Canada
External Links
Capitalone.com
Credit.about.com
Yourcreditnetwork.com
