I had to declare bankruptcy and got a credit card that had a annual fee. capitol one approved me for a card with a low credit and since i have been using my card in the past year my limit has risen 3 times without me even requesting it! I have had no problems and when a charge was made to my account that i did not approve they quickly solved the problem and got me the money back. The capitol one visa is a great card and what made it even better was that i could personalize it. i was able to upload a picture of my dog and have it put on the card so it makes it unique and mine. I am able to receive on-line statement and access my account anytime on-line which is very helpful to me. I can also pay on-line with no extra fee which is great! I ended up closing all my other credit cards ad have just stuck with my capitol one visa. I have recommended many friends who do not have the best credit to apply with them because of the great features.