Don't know if this interests anyone but thought I would pass it along. Capital One is known throughout the cc business as a company that utilizes computers to make all of their decisions. If you've ever noticed, they do an AR on your account often so they can not only check your debts but also to look at your overall score. They have some of the lowest loss rates in the industry even with the number of sub-prime cards they issue. Computers make ALL of their credit decisions. I have a friend who interviewed with them about a year ago for a senior management job in their processing group. They told him that their decision is based equally on 3 things: 1) Your score on a test they administer (for a senior manager!) 2) The grading people gave you during an extensive interview process 3) Your credit score They actually take your FICO score and make that 1/3 of the process. So basically, if you're a complete jerk who has great credit and can do well on tests, you too can work for Cap One!
