$39 isn't bad for annual fees, especially for someone who doesn't have a lot of history or who has filed a BK. Capital One is what I would call uneven. I had a card that was probably subprime or standard, and had a lot of trouble. I cancelled it. Now I have a prime card with them and life is pretty good. They seem to have much better customer service. I don't know if it's all of Cap One or just which card you have that is the difference.

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The Answer is 42!!