Capital One - capitol one visa Review

Fist off, credit cards are an all together bad Idea. Let me share with you why. I got this credit card because we had some unexpected expenses we couldn't afford. I thought, okay a fifteen dollar monthly payment, three-hundred dollar limit, I can work with that. So I use my card, spend about half my limit, and send my first fifteen dollar payment. Somehow, some way they never got it. and of corse, this is my fault. there's nothing they can do, except charge a hundred dollar late fee. F**** that. I sent my payment on time, it's not my fault THEY LOST IT. and so then, they double my payments every month, (ex. 15 to 30, 30 to 60, 60 to120 and so on and so forth) eventually, I can't afford this, and I'm paying them twice as much as I spent to begin with, and STILL OWE THEM MONEY?!  F*** THAT! So now, here we are and I've got terrible credit because these money hungry grubbers aren't satisfied until I'm broke and homeless. So hear me out when I tell you, if you can't afford it, you can't afford it. Credit cards are NOT the solution.