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eviLution wrote:
Capital One has it's purpose and that's to help out people with bad credit get back on their feet with only a simple annual fee.

Half of last year all I had was prepaid debit cards from AccountNow and now I got almost 5k worth of credit to use. Thanks Capital One

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That's only half the story.  Their prime customers are generally happy with their cards. The trouble I see is how the subprime treatment is for most a dead-end street.  To get out of this tier most must apply-up and then close the rebuilder card.

GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev