My friend, I'll call her Sara, got a Pre-Selected business card from Capital One in the mail today. She has crappy personal credit, but the business doesn't have any since she just started it in January. The terms are: 0.00% 6 month intro rate 12.29% APR (as long as she never goes past 30 days late it will be fixed) No annual fee 25 day grace on new purchases. Nowhere on the pre-selection does it say she can be denied, but with her personal credit in such a shambles, is it worth it to apply for the business? Thanks for helping Sara out!