I applied and was approved for the Capital One Best Buy credit card about three years ago. The card was really easy to be approved for and in the beginning seemed like a great deal. After using it a couple of times, I quickly learned to pay it off each month instead of making the minimum payment. The fees for this card are outrageous. After getting it paid off, I now only use it around holidays or other gift giving occasion. I also now pay my balance in full at the end of each month. The customer service has always been very helpful and more than friendly each time that I have had to contact them. I have always gotten fast service and all of my problems have been solved. I will continue to use my Best Buy card but will definitely keep my spending at a minimum to keep down on the interest charges. This was a great card to help get my credit rebuilt. I would recommend this card for the occasional spender.