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Capital One® Standard Platinum

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• Enjoy 0% on purchases until October 2008
• No annual fee
• Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping

If you have just recently recovered from a rather bad credit, then you should try Capital One Standard Platinum card to keep you right on track. This Standard Platinum card has been especially designed for people who have has troubles in their credit the past, have struggled and somehow improved their situation. Thus, it does not matter if you have delayed payments before or messed up your credit rating.

The Standard Platinum is also excellent for those who have limited credit and those starting to build a good credit rating. If you are a fresh graduate, a newly-hired employee, owner of a card for less than 3 years, an extension holder, or new to a country, you are eligible to apply and take advantages of the benefits that this card provides.

So, what perks and privileges does this card offer? It is important to note that this card has an annual interest rate that may be slightly higher than average as far as purchases and balance transfers are concerned. It has a regular but variable APR of 17.8%. This rate is still cheaper as compared to other credit cards which charge as high as 25%. Cash advance APR, though variable, is currently at 22.4%.

To compensate for this above average APR, Capital One is offering this card at $0 annual fees. This means that you can freely use up this card to your credit limit without having to pay any annual fees. Also, you will not need to pay any transfer fees if you decide to transfer your balance from higher-APR credit cards into your Standard Platinum. This is of course given that you do not exceed your credit limit. Standard Platinum credit limits range anywhere from $300 to up to $3,000.

Aside from that, you still are eligible to additional benefits which include built-in security and $0 fraud liability in cases of unauthorized card use, an extended warranty programs for added safety on your purchases, 24/7 online account service as well as customer service support. As in all other Capital One cards, you can also take advantage of the exclusive savings of 10% on Capital One Saving Zone through Yahoo! Shopping, and up to 40% if you avail of any one of their featured deals. Moreover, the platinum benefits such as travel accident insurance and emergency roadside assistance also holds true for this card.

This card also comes with the usual miscellaneous fees which include over credit limit, late payment and returned payment fees, all amounting to about $39. A cash advance fee of 3% or $10 is imposed, whichever is higher applies.

So, if your credit needs some form of improvement and you are struggling to go past it, it is very important for you to make the right choices. A false move will get your further in debt and bad standing. Consider getting yourself a Capital One Standard Platinum card and enjoy the benefits while staying on track towards a healthy financial life.

This card is now being offered with an introductory promo. Until June of 2008, you can enjoy 0% interest or APR on all your purchases. If you think a Capital One Standard Platinum card is the right card for you, it is best for you to apply now to get the most advantage of this limited offer.