[quote=scaredyclassic]Capital one strikes me as a cheesy company. Like loansharks. Maybe that was the old days? I recall getting offers for some bizarrely high interest rates.[/quote]
Capital One has historically pursued college kids and people with questionable credit as customers, then reaped high interest rates and fees.
Like any lending you can make an argument they are slightly predatory, or you can make an argument they are extending credit to customers other banks aren’t very interested in, but charging a rate appropriate to risk.
If you’re at a point in your life where you can qualify for a mortgage, Capital One *probably* isn’t for you.
