I've had my Capital One card for about 5 years now. It was great, as I was just going to college and got it as a back up originally, for emergencies. Now though, the interest rate still hasn't gone down after years of paying it on time. Compared to another credit card I have, I'd definitely go with the other one. Capital One's customer service is quick to get a hold of, but I honestly have such a hard time understanding anybody I talk to, and everything is so scripted it takes forever before they get through their scripted ads to actually talk with you. If you have poor credit, this is definitely a good option. There are just better cards out there.