That's a fair explanation.
Really though, there is no incentive for me to use the Capital One over either my Discover or AmEx. There's no cash back, no rewards, no extended warranty or benefits of any kind on my Capital One Platinum. It's essentially a credit-building card, and I've moved beyond it. As I say I am going to ask for a PC to a Quicksilver in the new year (by then I am expecting my FICO to be over 750) or I will close the account.
