Dont get a Capital One credit card - even if you might have a good credit history they have a bad habit of raising your rate - I had a fixed rate credit card and was paying 3x the min balance on it every month since I used it to pay for school, they jacked up my rate to17.9 % from 5.99 % in order to beat the new credit card restrictions that are coming and I had to pay off everything well in advance to avoid seeing my monthly payments double.