Okay so you may be researching capital one. Duane here with how to build
credit TV and in this video I'm gonna talk about my experience and why I think
everybody should get started with Capital One. But before we get started I
have a quick message. Once again my name is Duane with how to build credit TV.
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subscribe. Alright now that we have all of that out the way let's talk a little
bit more about Capital One, more specifically I'm gonna talk about my
experience with Capital One and why I think everybody should get started with
Capital One. So a little over four years ago I was looking to rebuild my credit
and I got something in the mail from Capital One of course because their
marketing is incredible. What drew me in was the fact that it said get a higher
credit limit after five monthly payments and I was like okay that's kind of sweet
because I knew that that was going to be good for me but also look for my credit
score. So that was kind of the first induction into a relationship with
Capital One. Speaking of relationships I think Capital One is a great bank for
you to expand us a relationship because it gives you different opportunities to
be able to access money whether it's with a credit card or auto loan or a
home loan. So I think Capital One is a great Bank in which you need to
establish a relationship. Capital One is a inclusive bank where it includes
everybody. It kinda appeals to everyone, as opposed to a bank
that may be exclusive that you know it's kind of like more for people that have
money or that have a really high credit score. So Capital One kind of appeals to
the masses and that's what I really really like about it, for me personally I
currently have two Capital One credit cards. I have the Capital One savor card
which used to be the Capital One platinum card. I had that card for about
four years and I wasn't using it very much so I wasn't using it also because I
was not getting any cash back on that card. I have a three thousand dollar
limit on that card and so I called them I said hey is there a way to transfer or
upgrade this card from the Capital One platinum card to something else that
maybe I can get some cash back on. And I already had the Capital One Quicksilver
card so they upgraded me from the Capital One platinum card to the Capital
One Savor card I was not interested in the in the venture card so they helped
graded me to the Savor card. So I had the Savor card and I had the Quicksilver
card. The Quicksilver card capital 1 was the first credit card that I used and
that I was able to get some cash back. I can remember thinking I had let the cash
back accumulate to like 105 bucks and I remember thinking oh this is kind of
cool. Even though even though the cash cash back is on for 1.5% that was a big
deal for me because that was my inception into cash back so it's like
okay this is kind of cool. So as far as I'm concerned Capital One is a solid
Bank for you to really have a look at because it really like I said applies to
the masses and gives you an opportunity to kind of get your foot in the door and
establish some credit possibly if you don't have any credit. If you can't get
the regular credit card you can get the capital secured credit card which is a
great card. In addition to that what really sold them to me was I needed a
car real badly back in 2015 and I knew my credit was horrible. Like I didn't
even check my credit score, I wasn't even interested I went to the dealership
without even looking at my score and I was like okay maybe I'll buy a Civic you
know I was like I get a Honda Civic. It's kind of what I can probably afford
and probably what I get approved for, anyway long story short. I ended up
getting a Honda Accord which was a car that I wanted since 1996.
I may be aging myself a little bit but I really wanted that Honda Accord so
Capital One took a chance on me and they gave me a loan for that Honda Accord. Now
the loan that I got the interest rate is seven point seven percent which is not
insanely good but it is way better than what a lot of
other banks were offering so I'm definitely grateful for my seven point
seven percent on my auto loan. Once again it's not great but it's way better than
what other banks were offering. So I think Capital One is a solid Bank and I
really like the app as a matter of fact I'm gonna show you guys part of the part
of my Capital One app because I want to show you like the app looks cool. And
also it's very easy to to read the cashback that you earn on your credit
card. So I'll just take my phone out right now and I'll start screen
recording for you guys on the video here so you guys can see exactly what I'm
looking at okay so I'm gonna log into my capital account. You guys probably
can't see this but I'll have the phone on the screen, so I like you to my Capital
One account and I think this is a right account it doesn't matter I have two
accounts. Okay so I log into it whenever it shows up okay it's finally up here.
I'll put my fingerprint here on the card or on the phone so you guys can see
alright so as you can see here we're looking at my account where I have
checking account savings account in my auto loan. So you can see there on the
screen you'll be able to see this. There's a savings account, there's a
checking account that I really don't use much and then there's the auto loan. So I
have those those accounts with Capital One. I'm gonna log out of this one and
then I'll log in to my credit card and show you guys the two credit cards that
I have with Capital One and the fact that they have the cashback that you've
earned right there inside the app. I really like that because most credit cards kind
of show you the cashback that you've earned like after the statement is over. So I'll click on the
savor card here that's the first one and as you can see it has your available
credit and I have three thousand dollar limit on this particular card. This card
was a Capital One platinum card and I upgraded to the Savor card. So it says
reward rewards cash foUr dollars fifty three cents and then I'll show you guys
the Quicksilver card. This is the card that I got all my success on the first
time around the limit on this one is seven thousand dollars and as you can
see it says cash rewards $25.97. So once again Capital One is a great Bank if
you're looking for a way to get started with anything. I definitely encourage you
to consider starting your relationship with Capital One. Thanks for watching
this video if you haven't subscribed to the channel yet please feel free to do
so. Actually if you have any questions leave them in the comment below and I'll
answer them as soon as I see them. Once again on this channel we talk about
everything you need to know in regards to credit. We talk about how to
establish, credit build credit, rebuild credit or learn more about the FICO
score and how it is comprised so you can increase your credit score. If this
sounds like something in which you're interested be sure to subscribe to our
Channel and click that notification bells so you don't miss a thing.
Once again thanks for watching I'll see you guys in another video. Until next
time take care and be blessed. Peace!