Capital One - Platinum Mastercard Review

I got this card some years ago as it offered what I thought was a decent interest rate and 12 months interest free. What I didn't know was that you always have to read the fine print. I was given a low maximum as I didn't have any credit and the account fees, both monthly and yearly, killed me! I was already over my limit right away!

So I ended up having about a 28% interest and hadn't hardly bought a thing with it. Yes, I was young and yes, naive. If you're looking to build your credit, they'll more than likely give you a card but be forewarned, pay attention to when they charge their fees because I didn't receive any notice and therefore, because I didn't check my statement daily, I was over the limit and under a pile of debt.