I have a Capital One card, and I've not had any problems with them-I have 0% interest, and I keep my balance at $300!! Because if it ever went up, I would spend it!! They've tried to increase my credit line a couple of times, but each time I would call back up and have them decrease it-and finally said if you increase it again, I'm outta here. That way, the most debt I'd ever be in would be for $300, which isn't that much. I use it mostly to build credit, because when I got out of school I didn't have any( never had cc in college, no student loans, had lived in privately owned apartments, parents bougth me cars so nothing was ever in my name)-so it helps that way. I usually forget I have it half the time, because I put everything on my debit. If you are smart about it, credit cards can be a good thing. But they can get out of control quickly-my friend is $10, 000 in debt!!!
