I have not yet tested the capital one card so i will keep this review short and sweet.
First of all my credit rating isn't the best and have had late payments in the past. However capital one accepted my application for the classic card allowing me to rebuild my credit rating up.
The online application is very simple to use and i had a response via letter 3 days later saying i was accepted. To my joy as i have been refused credit cards in the past.
So if you have a bad or low credit rating and canot obtain credit i suggest you give the capital one classic card a try as they accept you even with a bad rating.
With the card aslong as i pay my monthly payments i will not be charged any interest. And doing so will rebuild my credit.
I should receive my card sometime this week and just thought i would write a review for people with bad credit or who have been refused elsewhere to give this a try as it worked out fine for me.