beware this is a scam. first of all, they pretended to be capital one and that fooled me . second they hid the fact that they charged an "annual" fee that is nowhere in visible writing and claim that it was in small print in the back of the offer. this was unacceptable so I never made a single purchase on this card and have called twice to these shady customer rep who claim will close my account yet it remains open. not a single purchase yet i owe them 121. every month they send the bill with more "late fees" added on and threatening to report this into my credit score until i pay. I rather have a burned credit score then give them any money! I have also started to file a complaint with the U.S Consumer financial protection Bureau and s. nevada BBB against this company. i will not stand by and let them continue their predatory ways.