This is the very first credit card I got aproved for. No other cards I applied for would approve me because I had absolutely no credit history. I have had this card for 4 months now and it has been a great experience so far. The only negative is the high APR, but as long as you pay your credit card bill by the due date, you don't even have to worry about any additional fees. I am 1 more on time payment away from getting a credit increase. And thanks to capital one giving me a chance with this card, I have been able to get a credit history and approved for another credit card. There is a Capital One app where you can make payments, check your balance and bank statements, and even keep an eye on your credit score. You also get notified if your personal information was compromised and can immediately change all your passwords or freeze your account if you worry about identity theft. My experience with this credit card has been a great one so far. No complaints here. I would recommend this to anyone trying to start building credit, just be sure to keep up with payments to avoid any interest fees.