High Credit card APR's

Honestly it sounds like Capital One isn't good enough for your business. Have you shopped around for another card with another company? You should be able to find another card with a lower interest rate. Capital One will keep your APR at 24.99% for as long as you continue paying it. You could either pay your card off every month which equates to paying 0% interest or cancel it and open another one.

Good advice! Find a card with a lower APR! READ the FINE PRINT where the jack ups are hidden! If you are satisfied transfer your balance to that card and get rid of Capital One! It may hurt your credit score a little by cancelling that card but it is worth it! They just sent me a pre approved car loan in the mail with a 27 percent interest rate and I was not even pre approved when I read the whole thing! They are bloodsuckers! Whats in your wallet? A parasite called Capital One!

that's the thing the fine print states they can only up the APR if the amount is past due,or if I go over my limit. I did that once three years ago and have paid for it ever since. I dont pay off my balance because I thought me paying it every month would help my credit. I dont even use it that much Im still paying on stuff that I paid with my credit card from last year lol

You do have to use the card but you can pay the card off every month and still build your credit score. Make sure you know what your limit is and never go over that amount. Some credit cards are tricky. They will tell you that you have an unlimited balance when in actuality you have a different limit that is fairly low. Every month that you go over that limit your credit score will suffer.

Quote:

My smile of the day and I quote;

"They are bloodsuckers! Whats in your wallet? A parasite called Capital One!"

Nice, very very nice description.

What's not in your wallet?
Parasites!

Great,
King "Kash" Jabba Labba

Quote:

okay that was supposed to be a bunny but it put my ears on other side instead where I originally had it lol