Cap One does not generally carry the same respect as some other cards. However, my card terms are $3,300 limit, no annual fee, 25 day grace, 12.3% apr. and rewards. I used the card sufficiently to show the high credit limit on all 3 CRA reports. Currently, I have no balance. It is a good card. Cap One markets both subprime and prime cards. The Platinum card has the same terms as my gold card, however, the apr. is 9.9% fixed and a minimum limit of $5K. As I recall from your posts, you have been disatisfied with Cap One. You have a lot of company here on the board. Many members here express hatred for a particular lender due to a bad experience. That I understand. But don't make your problem with Cap One so overwheming for YOU; that YOU are accusing me of current intoxication by having a a Cap One card with the terms I have outlined.