I believe that it is actually Capitol One with a BMG overlay..check your account terms (should be somewhere-like the back of the offer) and let us know interest, rate, fees, etc. AnnMarie
tina, I don't have bmg visa but I had Kmart Mastrcard. They both have similar terms and are both issued by Capital One. I think Capital One pulled credit reports from all three bureaus. I don't have any problems with Capital One and they have on-line access and on-line payments on their Capital One websites. Ron.