I recently applied for a Cap One Platinum card and got a regular card with a $1,000 limit, no annual fee, 3.9% intro for 6 months and 9.9% fixed after that, but the customer service rep told me that it doesn't have a grace period. Do most of the Cap One cards come with no grace periods or is it just mine? I'll probably cancel this card because I have a bunch of better cards that do come with grace periods.
Their web site promotes 2 separate Classic card types: The prime Classic and the subprime Classic. The prime classic ============ 0% intro APR 9.9% APR when intro period expires Grace period: 25 days No annual fee To get this card you apply for the Platinum, and if declined they'd automaticly consider you for the prime Classic. Source: http://apply2.capitalone.com/2839/1-78/disclosures.jsp The subprime Classic =============== 19.8% APR (No lower intro rate offered) Grace period: same as above Annual fee: $29/year Source: http://apply2.capitalone.com/2819/3-8/disclosures.jsp Saar
