If you want a credit card company that believes that their customers are their bread and butter here they are. If a credit card company that is constantly improving their service to their customers appeals to you, check again. If you want a credit card company that is in the top 100 World’s most Innovative companies list, then look no further. Capitol One credit card is all that and more.

Let’s take a closer look at some of the criteria for each credit class. We’ll start off with those whose credit needs improvement. If your household income is more than $10,000.00 and you have had credit for one year, whether a line of credit, a credit card or a loan. And in addition to that, if in the last two years you have paid back debt to creditors with no defaults. If you also haven’t had more than two missed payments on your credit in the last three months, then you fit in the category of “credit probably needs improvement”.

The second category is for people who may never have had credit, or may have had previous credit problems. This category also includes people who may be new in their country. Check it out, even if you’ve had bankruptcy you can still qualify for a credit card. You may need to pay a security deposit in some situations. This category lets people build or rebuild their credit, while attaining some rewards for good credit management.

If your gross income is greater than $30,000.00, and you have not had any defaults in the last seven years, you’re off to a good start. Now let’s add to that six years of ongoing credit, and no changes in the last nine months. Great! you’re almost there. As long as you’ve made all your payments, and made them on time for at least the past three months, then you’ve made it. Soon you’ll be reaping those rewards of lower interest rates and better rewards programs.

Likewise, if you can say you’ve had credit for at least ten years, and your household income is more than $40,000.00, you’re on your way to the “Excellent Credit” category. If you can add to this no defaults for the last seven years, and have made all your payments on time in the last six months, then you’re in. Provided nothing has changed in the last nine months. Trouble is, many people don’t make $40,000.00 per year. Surprisingly enough, if you made it past the no defaults in seven years trial, and over the no late or missed payments in the last three months hurdle, you’re halfway there. If you can get through the three year credit tunnel, and come out above the $30,000.00 yearly household income pool, you’ve made it. Straight into the “Excellent and Good Credit” category.

Depending on the category you are in, you can receive an interest rate anywhere between prime and 19.8%. Capitol One bases their prime rate on the Globe and Mail’s business section report on the 25th day of each month. If the 25th falls on a weekend or holiday then they use the previous business days rate.

So instead of wishful thinking, check out the credit card company with over 46 million satisfied customers world wide. They have a place for everyone so all you have to do is find out where you fit in. Then start reaping those rewards.

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