I call back, and because it is nearly impossible to reach the same Customer Service Rep, spend the next 20 minutes being transfered between cities, probably continents, until “Angela” gets on the phone. For Part 1, click here. For Part 2, click here. Me: “Alrite Angela, I appreciat...

Beginning October: I STILL don’t have my card yet, so I call, and yet again, Capital One still doesn’t have my address information on file.  I repeat exactly what I did the last time, and am not getting frustrated yet.  “Sorry sir, within 7-14 days you will have your card.”...

Last month, I did something I have been wanting to do for awhile: I took a serious step to improving my credit score. Why? Because a bad credit score will ruin you. I applied for the Introductory Rate 0% Interest Capital One Platinum credit card.  Now, I haven’t had a credit card for over two...

By Chelsea Jamison - Seattle Pacific University “I can afford it; I’ll just make monthly payments!” I’m sure you’ve heard this phrase uttered from the lips of your friends, and if you are anything like me, you bite your lip, and in your head you’re screaming “No!” This is a good ill...

By Chelsea Jamison - Seattle Pacific University As you know, credit card companies allow you to make a minimum payment on your oustanding debt, allowing the principal to accrue interest, in turn giving them more money. So what is the real cost of making the minimum payment on a purchase? Let’s...