- Centurion Member
- Posts: 204
- Joined: Tue Oct 30, 2012 10:25 am
- Location: TX
I once read a car article about how car brands were competing with themselves... it used to be, for example, that you'd start off with a Chevy to start off with, get some sort of GMC family-mobile, upgrade to a Buick after you had an established career, and by the time you had peaked your career, you could get yourself a Cadillac. Or something like that. I don't pay attention to cars. But it struck me, when I was looking for a credit card, that I wasn't able to find a parallel to that concept in the credit card world as it currently stands-- a brand or something that you could stick with from having absolutely zero credit history, all the way up until you achieved their mega-awesome-superdreamcard. Heck, I couldn't even find anything that offered to grow with me from zero credit history until I achieved their ho-hum-average-rewards-card.
So complaining that a Capital One beginner card doesn't grow with you, or is lacking here, here, and there, kind of strikes me as complaining that your dorm room in undergrad isn't a 3/2/2. A Capital One card is the sort of card that someone sees and thinks, "I've got $40 to spend, and I'd like to establish some credit history so I can get the card I really want down the road." You use it for x period of time, and it gets you somewhere better, and you ditch it when it's not useful and you've replaced it with something better.