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the offers mentioned may have expired. Terms apply to the offers listed on this page. Your first stop is the Capital One credit card rewards portal. Under a settlement with regulators, Capital One Bank will refund to offer its Payment Safeguard program online but it stopped phone. Jan 11, 2021 · Capital One Visa extended warranty policy. we found an offer to upgrade from the Capital One SavorOne Cash Rewards Credit Card to the. capital one credit card offers stop

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Wow! BIG Capital One Savor \u0026 SavorOne Credit Card Upgrades! (Savor \u0026 Savor One Updated Review 2021)

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Capital One Quicksilver Cash Rewards Credit Card

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670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

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1.5%
Earn unlimited 1.5% cash back on every purchase, every day

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Intro bonus
$200 One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual fee
$0

Regular APR
14.99% - 24.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

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Capital One Venture X Rewards Credit Card

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740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

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10X
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
2X
Earn unlimited 2X miles on all other purchases

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Intro bonus
100,000 miles Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening

Annual fee
$395

Regular APR
16.99% - 23.99% variable

Recommended credit
740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Capital One SavorOne Cash Rewards Credit Card

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670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

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8%
Earn 8% cash back on tickets at Vivid Seats through January 2023.
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.

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Intro bonus
$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual fee
$0

Regular APR
14.99% - 24.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

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Capital One Venture Rewards Credit Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

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5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
2X
Earn unlimited 2X miles on every purchase, every day.

At A Glance

Intro bonus
60,000 miles Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel

Annual fee
$95

Regular APR
15.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval odds
Источник: https://www.creditcards.com/capital-one/

At any bank, if you have a low credit score, you’re only likely to get a credit limit increase if you’re getting close to your existing credit limit. So if you got that email, you probably had a few thousand dollars of Capital One credit card debt at an interest rate of at least 20 percent. That implies you were probably paying Capital One around $40 in interest per month or more. You might want or need to borrow more money on top of what you’ve already borrowed, but I always thought it was a little bit sick for us to be telling people to “enjoy” their higher credit line. It felt more than a little like shouting, “Enjoy getting into more debt, suckers!” before disappearing in a cloud of smoke and speeding off in a Tesla.

In my coworkers’ defense, nearly everyone agreed with me that repeating “more...more...more” in that email was redundant, if not manipulative, and we eventually changed the text. But the pitch still represented an irreconcilable gap: While the recipients of the email might, at best, regard it as one additional debt instrument to deploy for the next financial emergency lying in wait, Capital One employees must have imagined that borrowers were positively excited to take on more debt as soon as possible. 

Sadly, this latter view was not completely unreasonable. As Scott Schuh and Scott Fulford have shown in a paper for the Federal Reserve of Boston, people who get credit limit increases tend to keep their “utilization” constant. In other words: If a person is carrying a $1,500 balance when they have a $3,000 credit limit, you’d expect them to start carrying a $4,000 balance if the limit is raised to $8,000. If most people use the full credit-limit increases they are offered, the thinking goes, that must mean that most people want to borrow more money. If you lend them more money, you are “meeting customers’ needs.” 

Because the borrower’s pain was not at the forefront for analysts, lingo like “pBad” (the percentage of people who can’t repay their loans), “second-order risk” (when customers who would have been able to repay a small loan default because they borrowed more than they could handle), “flow rates” (the percentage of people who will miss the next payment), “HBRs” (high-balance revolvers, or people who have a lot of debt) is not analogous to a military planner referring to “collateral damage” to talk about dead civilians. It is far more abstract. 

Источник: https://newrepublic.com/article/155212/worked-capital-one-five-years-justified-piling-debt-poor-customers

Sidebar: What’s the Hard Part? Innovation Never Ends

By Charles Fishmanlong Read

The telephones at Capital One Financial Corp. ring more than one million times a week. People call to ask about their MasterCard balance, or whether a recent payment was received, or why their interest rate has jumped. And more than 1 million times a week, here’s what happens — before a caller hears the first ring:

The instant the last digit is punched, high-speed computers swing into action. Loaded with background information on one in seven U.S. households and with exhaustive data about how the company’s millions of customers behave, the computers identify who is calling and predict the reason for the call. After reviewing 50 options for whom to notify, the computers pick the best option for each situation. The computers also pull and pass along about two dozen pieces of information about the person who is calling. They even predict what the caller might want to buy — even though he or she isn’t calling to buy anything — and then they prepare the customer-service rep to sell that item, once the original reason for the call has been addressed.

All of these steps — the incoming call, the data review, the analysis, the routing, and the recommending — happen in just 100 milliseconds. That’s one-tenth of a second, or one-eighth of the time that elapses between beats of a human heart.

Make no mistake: Capital One has some wicked-fast computers. And its growth rate has been nearly as fast. The company took shape in 1994, when it began as a spin-off of Signet Banking Corp. It now ranks among the 10 largest issuers of credit cards in the United States, with 16.7 million customers (it added 5 million new accounts last year alone) and total balances of $17.4 billion. Its stock chart looks more like that of an Internet startup than like that of a bank. Stock in the company, which was first offered at $16 per share, has traded as high as $140. The company, with 11,000 employees, has a market value of more than $7.8 billion.

Capital One’s cofounders — a pair of buddies with no previous hands-on experience in the banking industry — had rocked the credit-card world while they were at Signet, where they had invented the “teaser rate” card and the “balance transfer” option. Those two innovations sucked millions of customers away from established companies, and the two men brought them over to their own company. The real secret of Capital One’s success, though, has been its commitment to endless innovation. Lots of companies claim that they compete on knowledge. Capital One has enough information on consumers to fill the hard drives of more than 200,000 personal computers. It uses that information much as a physicist uses a particle accelerator: Cap One analysts and product managers come up with an idea for a product, bounce the data a bit, test it, tweak it, and launch it as fast as possible. In other words, they use the scientific method to design credit cards.

“Credit cards aren’t banking — they’re information,” declares Rich Fairbank, 48, chairman and CEO, whose father is a physicist. “When we started this company, we saw two revolutionary opportunities: We could use scientific methodology to help us make decisions, and we could use information technology to help us provide mass customization.”

Says Nigel Morris, 40, Cap One’s president and Fairbank’s alter ego: “Very few companies have the ability to test and learn.” But those twin capabilities — testing and learning — form the foundation on which Capital One is built. The company tests every product offering, every procedural change, every job applicant. It keeps records on every customer interaction and on every card purchase, and, with the patience and persistence of a good scientist, it runs experiment after experiment. “For every action we’ve taken,” says Jim Donehey, 50, Capital One’s chief information officer, “we know what the reaction has been. If we sent out a blue envelope and a white envelope, we know which envelope went to which customer — and we’ve recorded what the reaction was in each case.”

For example, Capital One started selling things (insurance, long-distance service, buying-club memberships) to customers who called — after tests showed that people prefer to buy things when they call Capital One, rather than when Capital One calls them. Today half of all new Cap One customers buy something (other than a credit card) within their first year as a customer.

Last year, the company performed 28,000 experiments — 28,000 tests of new products, new advertising approaches, new markets, new business models. As a result, it can deliver the right product, at the right price, to the right customer, at the right time. It offers 6,000 kinds of credit cards, each with slightly different terms, requirements, and benefits, and each requiring a slightly different monthly statement. Some credit-card holders have a no-fee Mercedes-Benz affinity card with a credit line of $20,000. Others pay $29 a year for a card with just $200 worth of credit. Some have a credit card with a Canadian moose on it. Others have a card with a map of Japan and an image of Mt. Fuji on it. One reason why Cap One has attracted millions of customers is that it’s able to present itself a little differently to each of those customers.

“What we’ve done,” says Fairbank, “is to create an innovation machine.” That machine has just begun to kick into gear. “This is not just a credit-card strategy,” Fairbank insists. “This is a marketing revolution that can be applied to many businesses.”

For Fairbank and Morris, the credit-card business has been a grand experiment in using information technology to figure out what people want to buy and how Capital One can sell it to them. Says Jory Berson, 28, vice president of marketing and analysis at Cap One: “I want us to become the place where people go to find anything they want to buy.”

“We can answer your question before you ask it.”

Joe from Florida is a tough call — a confused older man, the holder of a MasterCard with a $100 credit limit. He informs his phone rep, Tim Gorman, 29, that he knows what happened the last time he called Capital One: “I’ve got it written on the wall right next to the phone,” he says.

Nancy from North Carolina is easier. A moment after her voice materializes in Gorman’s earpiece, information about her credit card pops up on his computer. Nancy is a desirable customer: She has a $6,500 credit limit on her Visa, she’s been a Capital One customer for four years, she pays no annual fee, and she hasn’t paid late in the past 12 months.

Her opening line: “I want to close my account.”

Gorman is used to that greeting. He works as a Capital One “retention specialist,” and all of the calls routed to him are from people who say they want to close their account.

Gorman knows better. Most of them just want a better deal.

“I just got a card with a 9.9% interest rate,” says Nancy, “and that’s a lot lower than my current rate.”

Nancy’s current rate is 16.9%. Gorman’s computer displays three counteroffers that he can make in an effort to keep her business. Those offers have different interest rates — starting with 12.9% and ramping down to 9.9%.

“Well, ma’am, I could lower your rate to 12.9% . . .”

Nancy grabs the first deal that Gorman offers, and Gorman scores a “save.” Is he concerned that Nancy didn’t get the best deal available? Not really. “Who’s to say she really was offered a 9.9% card?” he says. “Maybe that was just something that she saw or something that came in the mail.” Nancy is happy, Capital One is happy, and Gorman has earned incentive pay for keeping her — plus a little extra for getting her to take a deal that preserves much of Capital One’s revenue.

Superficially, Gorman’s exchange with Nancy sounds like what happens at credit-card companies everywhere. It’s standard these days for account information to pop up when a call comes in (computers identify the account by linking it to a phone number), and many companies bargain over interest rates and fees. But at Capital One, that’s where the interaction begins, not where it ends. The history of “intelligent call routing” (a term that Capital One coined) — with its tiers of computer-enabled decision making — is a case study in how a culture of innovation can take small problems or modest ideas and turn them into breakthroughs.

In this case, the problem had to do with the phone bill. Two years ago, calls from Capital One customers were taking too long to handle, and an analysis showed that customers were not to blame. Callers simply weren’t getting to the right place at the right moment: People with a lost card or a fraud problem ended up reaching an ordinary rep; people who just wanted to know their balance stayed on hold to talk to a live rep; people unhappy with their interest rate called the “lost card” number on the back of their card and had to be transferred to customer service.

“All that time — to take a call, to bridge the call to the right person — that pisses off the customer,” says Greg Gannon, 44, a technology manager who was brought in to look at the problem. “You wait for an agent, you wait for a transfer, you wait again for an agent.”

Plus, says Jim Donehey, “All that time, we’re paying for the call.” Companies pay by the second, and at a place like Capital One, which takes 2.5 million live calls a month, even one extra second per call adds up to real money. “The real question was, How can we minimize all that?” says Donehey.

The company tried lots of options. For example, it discovered that some people called much more often than the average of five times a year. “We sent out a letter at one point that said, in effect, ‘Please don’t call so much,’ ” says Donehey. That test yielded this result: If you want people to call you, send them a letter telling them not to. “That was what I call ‘a Homer Simpson moment.’ “

The ultimate solution — suggested by the technology folks — had less to do with an animated character than with artificial intelligence: Why not predict the reason for each call and then send that call to the agent who is best able to handle it? In fact, a company like Capital One, with 3,000 people answering calls, knows plenty about why customers reach for the phone: Ninety percent of all calls fall into 1 of 10 categories. Raise your customers’ interest rate, and they call. Put an automatic fraud stop on their card, and they call. Send out a new card that needs to be activated, and they call. Some people call once a month to find out their balance; some people call three times a month.

It took months to analyze these calling patterns, to figure out which events in a customer’s credit-card life would predict a call. Decision-tree software had to be written, equipment had to be bought, phone switches and computers had to be taught to talk to each other. Along the way, people working on the project arrived at some powerful insights. For example, customers who call each month to check their balance or to see whether their payment has arrived could be identified and routed to an automated system that answers the phone this way: “The amount now due on your account is $364.27. If you have a billing question, press 1. . . . ” Or: “Your last payment was received on February 9. If you need to speak with a customer-service representative, press 1. . . . ” The genius of this system, says Donehey, is that “we can answer your question before you ask it.” A phone call that might have taken 20 or 30 seconds, or even a minute, now lasts just 10 seconds. Everyone wins.

A routine problem in search of a quick solution led to a new way of doing business. Today customers get where they are going immediately, and they get the information that they need quickly. Customer-service reps handle those calls that need to be handled by people, and they don’t waste any time passing calls to colleagues. For example, customers who have received prototype products are automatically routed to staffers who know about those products.

This calling system has become a competitive advantage for Capital One, making possible both lower costs and better service, and the company is understandably reluctant to share specific performance data about it. But a few round figures are available: The system went into effect last June, and, says Donehey, “Within a few months, it was right 40% of the time.” Gannon says the prediction-success rate is now at 60% to 70%.

And the system just keeps getting smarter. Do you routinely call from your boyfriend’s phone — the number for which is not on file at Capital One? Eventually the computer will figure out that his number should be associated with your account. If you call to close your account, you’ll encounter a subtle measure of what Cap One thinks of your business — because the system will do a real-time analysis of your value as a customer. People worth keeping are routed to a live agent like Tim Gorman. People whom Capital One is not unhappy to be rid of are routed to a voice-response unit and allowed to close their account using their Touch-Tone phone. Meanwhile, more capabilities are in development. For example: The system will learn what language each customer prefers to do business in and then route calls accordingly.

“This started as such a simple problem,” says Donehey, “but IT enabled us to go back to the business side with a solution that went beyond solving that problem. The flow of information between IT and the business side and the customer is constant. A lot of the stuff that really makes our technology work has nothing to do with technology — it has to do with attitude.”

“Every interaction is a selling opportunity.”

Larry from Pennsylvania is on the line, baffled by his new Capital One “Silver” Visa, with its $1,000 limit and its $59 annual fee. The card comes with coupons offering discounts on hotels and rental cars, but Larry can’t figure out how they work.

Barbara Brannon, 57, a veteran customer-service rep and one of Cap One’s telephone stars, talks to Larry as if she has nothing else to do. She concedes that the Silver Visa carries a fee that’s $20 higher than that of Larry’s former card, a regular Visa. But, she says, “you can get that back with a single discount at a single hotel.”

Once Brannon has helped Larry understand his new card, she says, “Sir, do you do any catalog shopping?”

“No.”

“Are you interested in any kind of interior-design shopping?”

“Catalogs?” Larry asks.

“It’s like the Silver Visa,” says Brannon. “It’s a service that we offer — Capital One Interiors. It’s a catalog with a lot of coupons. If you order it, you’ll pay for it by the second or third time you use it.”

“Thanks just the same,” says a suddenly lucid Larry. “I get enough junk mail already.”

Brannon is a star — not just because she understands how to handle routine credit-card confusion, but because she is an unerring saleswoman as well. After all, why not try to sell a guy who is confused about coupons more coupons?

On a typical day, Brannon sells something to roughly 15% of the customers who are routed to her. Using an analysis of each customer’s buying habits and demographics, her computer terminal automatically tells her which products to offer. Whether Brannon makes an offer on a particular call is up to her. With customers who are particularly upset or who are being transferred to another department, she doesn’t. On this winter evening, though, she’s scoring a sale with one out of every three callers. “I don’t shove it down their throats,” says Brannon. “I throw it out if it’s something that I think they might like.”

A woman from Miami, who has called to find out if she has to pay her $39 annual fee every year, cheerfully signs up to pay $59.95 a year for Privacy Guard, a service that helps you check your credit report. “That’s called a sale!” says Brannon. “That’s called fattening your paycheck. Give me more calls!”

Esther from Connecticut, who had called to check her current interest rate, signs up to pay $59.99 for Capital One Edge, a program in which you receive a catalog of discounted merchandise as often as 12 times a year.

Carolyn from Illinois, whose credit history has won her a Visa with a $200 limit and a $59 annual fee, calls to find out how to get a cash advance. After answering that question, Brannon warns Carolyn that her Visa has less than $100 of credit available. Then she offers Privacy Guard to Carolyn. The cost: $59.95. “If you want to get your credit report, this is the way to do it,” Brannon says. “This is what you need.” (Actually, if your Visa has a $200 limit and a $59 annual fee, you don’t really need a credit report.) Says Carolyn: “Yes, I would like to try that.”

No one at Capital One can recall whose idea it was to sell things to customers when they call the company, rather than the other way around. Most credit-card companies, including Capital One, have long tried to “cross-sell” their customers — often by using inserts in monthly statements to tout everything from calculators to cruises.

The idea to add a new twist came, naturally, through data analysis. “It happened three or four years ago,” says Nigel Morris. “We were doing outbound telemarketing, calling at dinner time, and we looked at the statistics on who bought things, who told us to get lost, and who bought things that they never used. We thought, ‘This isn’t working that well. What if we talk to people when they call us?’ “

For Morris, a transplanted Brit who vibrates with energy and who has a mischievously contrarian streak, it seemed like a natural: “Gosh, if you call me and I’m trying to sell you something, then I’m going to treat you very nicely. That’s going to promote better service. But people said, ‘Service people are not salespeople. The systems don’t exist to do this — to service people and sell them at the same time. And anyway, even if you could do it,’ they said, ‘you would never sell enough to make the longer phone calls worthwhile.’ People said it couldn’t be done. That’s all the motivation we needed.”

In the case of inbound cross-selling, the first test product was easy and sweet. New customers must call an automated line to activate their card. “We thought, ‘That’s the perfect time to sell them something,’ ” says Jory Berson, who is in charge of cross-sell opportunities at Capital One. “The first thing we sold was a balance transfer: ‘Now that you’ve got our card, is there any debt that you want to transfer to us?’ ” While customers waited on the line for a computer to verify and activate their card, they could sign up to move balances from other cards onto their new account.

Customers loved it. Or, at least, they bought it.

The response was so enthusiastic, relative to Cap One’s effort, that Berson began looking for other products that Capital One could sell in this way. “I don’t have a big desire to sell you groceries, because once I have to ship stuff, I can’t save you any money,” he says. “But auto insurance — I can sell that cheaper. Mortgages, long-distance service, auto loans, cellular service — same thing.”

Berson sat down with his partners — Eric Nelson, 30, Cap One’s IT director, and Marge Connelly, 37, who runs all of the company’s call centers. At their first meeting, in the wake of the balance-transfer experiment, “the brainstorming was less about ‘Is this a good idea?’ than about ‘How do we do it as quickly as possible?’ We weren’t trying to pretend that this is rocket science,” says Berson.

Indeed, the biggest hurdles were human. “At first blush,” says Connelly, “folks look at the idea of selling to someone who’s calling, and they say, ‘There’s a conflict between servicing and selling.’ Some associates said, ‘I don’t feel good about making this offer to customers.’ We were listening, trying to appreciate that feeling.”

The solution, says Connelly, was “to elevate this beyond the immediate transaction level. If I’m a phone associate, my mission is to meet my customer’s needs. And people have a pretty wide range of needs. If I’ve got this great product, it might save a customer some money, or it might create convenience. If I’m committed to service, there’s no way I’m not going to consider offering that product.”

Within three months of that first brainstorming session, live reps started fielding calls during which they both serviced and sold. Today Cap One does almost every cross-selling effort in partnership with another company. It makes a deal to market a product: The Hartford provides the insurance, MCI provides the long-distance service, Damark International provides the catalog clubs.

“The creativity comes in how we do that,” says Rich Fairbank. “We do three things that other companies in the industry don’t do. First, every interaction is a selling opportunity — although I don’t want to give the impression that we can’t wait to get through your problem before we try to sell you something. Second, it’s done in an information-based way: What’s sold and how it’s sold are decided statistically, according to information that we have. And third, we are totally committed to selling products that are of very high value. I say this with passion, because it’s easy for companies to trap themselves into selling low-value things.”

(For his part, Jory Berson says that he “feels better” about the auto-insurance offering, the mortgage deal, and the long-distance service than he does about Privacy Guard or about the catalog memberships. But even the latter, he says, “are presented fairly, at a fair price — usually a lower price than other issuers offer.”)

What ultimately kicked Cap One’s cross-selling into high gear was Greg Gannon’s intelligent call-routing system. It was a perfect fit: The same computer that predicts why you’re calling can also predict what product you might want to buy. In fact, where your call gets sent often has as much to do with what Cap One wants to sell you as it does with how you will get your question answered.

Customers who are judged most likely to buy are sent by the computer to Cap One’s most skilled sellers — to Barbara Brannon’s group. Every one of the three dozen non-credit-card products that Capital One offers has a statistical model behind it that outlines which kinds of customers will find it most appealing, and under what circumstances. A specific “product offer” comes to a customer-service rep in the same data burst as a caller’s account information. So the decision about what to offer is made the instant someone calls. “It’s got to be real-time,” says Berson. “If normally I’d sell you long distance, but you’re calling because you lost your card, I’d be a fool not to sell you credit-card registration.”

Capital One doesn’t reveal how much of its revenue or profit comes from non-credit-card sources. “It’s a huge part of our business,” says Berson. “We now make more than 1 million sales in a year through customer-service marketing — not including inserts, or telemarketing, or automated calls.” Those sales occur during the 30 million live calls that Capital One handles each year. In 1998, for the first time, half of all new Cap One customers bought another product from the company within 12 months of signing up for their credit card. “That’s amazing penetration,” says Berson, “and it leads to tremendous profitability.”

“A cell-phone is just a credit card with an antenna.”

When is a credit-card company not a credit-card company? That’s the question now facing Capital One. If the company can serve its customers faster and smarter than its competitors can, if it can sell products unrelated to credit cards, then why continue to think of itself as a credit-card company at all?

According to cofounders Fairbank and Morris, Capital One’s real capital resides in the hundreds of terabytes of data that the company has collected on the behavior of current and potential customers, and in the vast testing experience of its analysts, who know how to figure out what really matters to (and about) those customers. The company’s knowledge base positions Capital One to tackle all kinds of other information-rich businesses.

Already, a Capital One subsidiary, America One, is selling cell-phone service in much the same way that the mother company offers credit cards — by offering a slightly different deal to each type of customer. (Quips Morris: “A cell-phone is just a credit card with an antenna.”) Cap One doesn’t confuse its customers with choices. Instead, it tries to figure out what its customers will want. “Our secret,” says Fairbank, “is that we are trying to deliver very simple solutions to the customer.”

Fairbank claims that within two or three years, most people will know Capital One for reasons other than its credit-card business. “Fifty percent of what we’re marketing now did not exist at this company six months ago,” he says. “And 95% of what we’re marketing today didn’t exist two years ago. I’m proud of that fact — until I reflect on its implications. It means that 50% of what we’ll be selling six months from now doesn’t exist yet.”

Says Jory Berson: “We’re becoming a company that people can turn to for just about anything. When you get ready to buy a car, the first thing I want to go through your mind is, What kind of deal can Capital One get me on an auto loan or on auto insurance?”

What about the car itself? “Oh, sure,” he says. “A car-buying service is on my list.”

Capital One scored some early victories in the credit-card game by changing the rules. Its founders invented the “teaser rate” — the banking equivalent of a cheap mortgage that gets adjusted up after a certain period. The teaser attracted millions of customers, and eventually competitors began to mimic the idea. The result was a merry-go-round of so-called teaser hoppers. People would move their balance to a low-introductory-rate card; as soon as the rate expired, they would switch to another card. Over time, Cap One was being eaten alive because of customer attrition.

The lesson: Companies that thrive on change can never rest. Competitors are quick to copy good ideas. The way to compete on innovation is to keep innovating.

That’s the hard part. And that’s why Capital One is so obsessed with making its own innovations obsolete. Consider the teaser rate. “Customers have gotten smarter about this game,” says Dan Friedman, 29, a credit-card product manager. “But customers don’t want to play it.” What do they want? People want a simple card with a good rate, says Friedman. So, for two and a half years, Friedman’s team offered prototype no-fee, fixed-rate cards to a wide spectrum of Americans. The cards had slightly different rates, slightly different credit limits, slightly different terms: “We were doing at least a dozen tests each quarter.”

The team absorbed data about which rates appealed to which kinds of customers, about how customers used the new cards, and about which set of factors produced the most profitable card. “We found a rate at which we got good loyalty and low attrition,” says Friedman. “That’s what we wanted.” There was just one problem: The card wasn’t profitable.

“That is where smart people come into play,” says Friedman. Two of Friedman’s analysts concluded that they needed to attract customers who were better credit risks — in other words, people who defaulted less often. “They suggested different underwriting standards. As soon as we had that hypothesis, we could test it with data that we already had.”

The result of all this experimentation: Early in 1998, Capital One began offering a permanent, fixed-rate card to a select group of customers. The card has a fixed annual rate of 9.9% and no annual fee. The company that changed the game with the teaser rate is changing it again. Today, in fact, Cap One doesn’t even offer a teaser-rate card to new customers.

At Capital One, the essence of innovation is experimentation. Every idea for a new product starts with a test, or a series of tests. If a test succeeds, the company ramps up fast.

Each test offer is handled by a small group of reps, whose opinions about the products are also taken into account. Cap One tracks not only whether people buy something but also whether they use it. The company has shelved products that customers didn’t buy or didn’t use. Selling software didn’t work. Neither did selling mutual funds (although plans are under way to launch another mutual-funds sales program). Behind every test is a three-person team: someone from marketing, someone from operations, someone from IT. There are no silos at Capital One. Each business unit has a “business information officer” who is responsible for making technology work in that unit.

Testing doesn’t apply only to products. Cap One hired more than 100 people a week in 1998, but it doesn’t conduct anything resembling routine job interviews. Instead, applicants take tests, sit through guided interviews, and do role-playing exercises. In the case of customer-service reps, supervisors never even meet candidates; they meet only the people who get hired. “We found out that interviews by line managers didn’t predict job performance at all,” says Dennis Liberson, 43, the company’s HR chief. That discovery was made, of course, through follow-up testing — through comparing actual performance of employees with what their supervisors had predicted when they were first hired.

This year, 1,000 of Capital One’s 11,000 employees will sit down to take tests. HR has developed 10 new pre-employment tests, and it wants to see how good they are. It will administer those tests to selected current employees, who will in turn have their job performance evaluated. Test results will then be anonymously correlated with how well those employees do their work. “We think these tests will predict certain competencies,” says Liberson. “But before we start using them, we want to make sure.”

In other words, the testers have a new test that they need to test. The company’s testing culture is so deeply intricate, so wound around itself, that a senior executive recently pointed to an M.C. Escher print in his office — a print of people climbing or descending a series of interlocking staircases — and laughed: “That’s our organizational chart.”

Capital One sometimes thinks so hard about what it does — and tests its ideas so thoroughly — that the whole system can make an outsider’s head hurt. But most people at Capital One will tell you that testing does not give them a headache: Rather, it opens their minds to new ideas. “Testing,” declares Wendy Alexander, 29, international product manager, “liberates you from conventional thinking.”

Charles Fishman ([email protected]), a Fast Company contributing editor, is based in Raleigh, North Carolina. He scored 40 out of 40 on Capital One’s management-screening test. Even so, the company rejected his application for a no-fee, 9.9% MasterCard. Visit Capital One Financial Corp. on the Web (www.capitalone.com).

Источник: https://www.fastcompany.com/36975/marketing-revolution

Walmart instant refund method reddit

Walmart instant refund method reddit


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Confidently file an error-free tax return with intelligent software and our 100% Accuracy Guarantee. 00. Many stores don’t actually care about having a receipt Wal-Mart Stores, Inc. 923. “Our standard method is check, however, a cardmember can always request an expedited refund,” representative Brittney Mitchell wrote in response to questions. PM me if interested for vouches or interested to just have a discussion about it. Use this information when asked for your routing and direct deposit account number. This was a surprise to me. 5% fee (with a minimum fee of $0. Sold at: Sam's Club and Samsclub. Whether you can receive a refund is dependent on the retailer's return and refund All you have to do to receive your tax refund in your Walmart MoneyCard account is: Get your routing and direct deposit account number by logging in – or – text DD to 37267 to get your Direct Deposit enrollment info fast. Apply for 2021’s best instant approval credit card. 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Any attempt by an Entrant to obtain more than the stated number of entries by using multiple/different identities, and/or any other methods will void that Entrant’s entry and that Entrant Product Recalls. Snapshots. 50% Upvoted. We'll repair your item. O. If using a check, go through a regular checkout lane, since there is no option for check payment at the self-checkout. If it has been more than 30 days since you purchased the plan, you'll need to send us a written request that includes a copy of your receipt and the plan's terms and conditions. Instant Pot, 10-Quart Vortex Plus Air Fryer Toaster Oven Combo, 7-in-1 Oil-Less Cooker for Rotisserie, Roast, Crisp, Broil, Toast, Cook, Bake, Reheat & Dehydrate. Bonus Scripts also included: Nike Target BestBuy. Save money. If returning by mail, please obtain a Return Authorization by contacting Customer Service at 1-800-444-3353, Monday thru Sunday, 6am to 6pm (PT). Check the screen to ensure that your payment method is available. 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The following states actually allow you to return a Walmart plastic gift card (or Walmart eGift card) for cash. *In order to be protected by eBay Money Back Guarantee certain payment methods must be used and all eligibility requirements and deadlines must be met. Call us for assistance at: 1-800-430-3376. Another way is to pay a balance directly online using Walmart's portal. If we can't repair it, we'll send you a replacement or reimburse you for one. In your Walmart Beauty Box, you'll find beauty samples and tips on products sold at Walmart and on Walmart. The Refund Advance is a loan; it is not your tax refund. ️ Worldwide. If you return a portion of an order, partial rewards will be refunded. You can also call 1 (888) 746-7726 to cancel your Membership and receive your refund via eGift Card. No Third party. If you need some further advice on packaging If the refund request gets approved, Microsoft will return the money within a few business days. If you purchased snow tires, 90 days have passed, or you’ve already installed or mounted your tires, they aren’t eligible for return. Once the payment has cleared, meaning the funds have transferred to Discover, the company can refund the amount back to the customer’s bank within 48 hours via the ACH bank-to-bank Like Walmart and Amazon, Target. It’s available from Jan. ️ No limits. - 22. Service fee: - 20% Bitcoin. *. Headquartered in Bentonville, Arkansas, the company was founded by Sam Walton in 1962 and incorporated on October 31, 1969. Be prepared to provide your order number and a brief description of the reason for the return. Everywhere else Mastercard® is accepted. 📬 Questions or Orders: 👉 Telegram : @Tigger1001. When you return an item purchased with a credit card, the refund will generally post to your credit card account after a few business days. how do-i-request-a-refund - PayPal Within 30 days, please bring your receipt to the store where you purchased your plan. As of September 30, 2016, Walmart has 6 Customer must obtain a Refund Transfer (separate fees apply). com (“Office Depot”) will gladly match the price on a qualifying item sold in store or online at Staples, Target, Walmart, Best Buy, or Amazon. Instant Refund Scripts (WTS) Selling Instant Refund Scripts for Walmart, Wayfair and Target ($100) DM me for proof and other information! 2 comments. 71K subscribers. If you’re not happy with your product, let us help you with a return or replacement. If it's not used by the time your return is processed at our warehouse, you will receive a refund to the original payment method and the code will be deactivated. If you can’t get a refund from Walmart, contact your credit card company and have them dispute the charge. A 1. 28, 2021, to H&R Block clients by MetaBank®, N. com, it's easy and affordable to transfer money online. +2% for PayPal. Fees and limitations apply. com or mail this request to: Asurion. Easy Online Returns. 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Источник: http://richard-bona.com/ayghd/walmart-instant-refund-method-reddit.html

Capital One SavorOne: $200 Bonus and 3% Back on Dining, Groceries, Entertainment and Streaming in November 2021

Slickdeals is an independent, advertising-supported service. The card offers that appear on this page are from companies from which Slickdeals receives compensation. This compensation may impact the location and order in which these products appear. Slickdeals does not include the entire universe of available credit or financial offers.

If you’re looking for a cash-back credit card with no annual fee that features bonus rewards for dining, entertainment and groceries, you should know about the Capital One® SavorOne® Cash Rewards Credit Card. After a significant update in May 2021, this credit card gives you 3% bonus cash back on dining, entertainment, grocery store, and popular streaming service purchases and 1% on all other purchases. Plus, new cardholders earn a one-time $200 cash bonus after spending $500 with the card during the first three months of account opening.

With no annual fee and no limit to what you can earn, this credit card may be ideal for you. Keep reading to learn more about the Capital One SavorOne card, what it costs and how the rewards can easily add up to hundreds of dollars per year.

Offer Details

capital one savorone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period ⓘⓘIntroductory 0% APR on purchases for the first 15 months of account membership, variable APR after that
Rewards Rate: 1%-3% Cash Back
Details:Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: An introductory 0% APR on new purchases for the first 15 months of account membership, variable APR after that. The SavorOne Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Variable APR based on creditworthiness.

Rewards Rate: The card offers unlimited 3% cash back per dollar spent on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target). It offers 1% back per dollar on all other purchases.

Sign-Up Bonus: New cardholders can earn a one-time $200 bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? People who regularly spend on entertainment, dining and grocery stores, but do not want a credit card with an annual fee.

Why We Like It

Why We Like the Capital One® SavorOne® Cash Rewards Credit Card

Foodies and entertainment aficionados alike will find a lot of value with the Capital One SavorOne Cash Rewards Credit Card. After all, with no annual fee and a big $200 bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a SavorOne card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

Plus, when you sign up as a new cardholder, you won’t pay any interest on purchases for the first 15 months. Once you reach that date, regular variable interest rates begin. Having more than a year interest-free can be a very useful benefit when you’re looking to make a large purchase or undertake a big project at home.

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Capital One SavorOne Review

There is no single cash-back credit card that’s perfect for everyone. If you’re someone who spends the most on dining, entertainment, groceries and video streaming, and you want to avoid an annual fee, this card could be a great fit for your needs.

The bonus cash-back rates for those spending categories aren’t the best around, but this card is a leading choice among cash-back cards with no annual fee. If you’re a high spender who’s willing to pay a yearly fee for a higher bonus rewards rate, consider the Capital One Savor Cash Rewards Credit Card. But, depending on your spending habits and annual fee preferences, SavorOne could be the perfect fit.

Sign-Up Bonus

New users can earn a one-time $200 cash bonus after spending $500 on the card in the first three months of account opening. Considering there’s no annual fee, that’s a great sign-up bonus to get you started. If you spend an average of just $167 per month on groceries, you’ll spend enough to earn the cash bonus.

That sign-up bonus is on top of the card’s standard and bonus rewards. If you spend the first $500 entirely on groceries, you will get the $200 bonus plus another $15 in cash back from shopping.

You may not want to sign up for the bonus alone, as it’s only a one-time deal. But a cash bonus a great way to get started with this credit card that will keep on paying you as long as you use it regularly.

Rewards Rate

SavorOne from Capital One awards 3% cash back for every dollar spent at restaurants, grocery stores, entertainment venues and eligible streaming services, including Netflix, Disney+ and Hulu. Additionally, the SavorOne awards 1% back for each dollar spent on all other purchases. It features unlimited rewards in the following categories:

Bonus CategoryRewards RateLimit
Dining3%None
Entertainment3%None
Grocery Stores3%None
Popular Streaming Services (Netflix, Disney+ and Hulu)3%None
All Other Purchases1%None

If you’re a foodie who spends a lot on groceries and restaurants (or takeout and delivery services during COVID-19), you are in a great position to rack up cash back with the SavorOne Card’s rewards. If you’re sitting at home and dreaming about movies, concerts and other entertainment that will return as it’s safe to do so, you’ll earn a lot of cash back with this spending category as well.

If you use the card for purchases at Vivid Seats, you’ll get a higher 8% back. The Vivid Seats deal is good through January 2023.

The only big limit to note is that grocery stores do not include big retailers like Walmart and Target. Only dedicated supermarket chains get you the 3% cash-back rate. You’ll earn the standard 1% rate when you shop at big-box retailers. Depending on where you do most of your grocery shopping, this limitation could influence your decision.

What Is Eligible for 3% Cash Back?

To get the top 3% back rate, you’ll need to shop with a merchant that is considered a dining, entertainment, or grocery outlet by the credit card processor. That typically includes restaurants, bars, fast food, cafes, bakeries, most grocery stores and eligible food delivery services.

For entertainment, you can typically count purchases at movie theaters, live performance venues, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, bowling alleys, pool halls, record stores and video rentals. (Are there still video rental stores?)

Capital One says popular streaming services are eligible for 3% include Netflix, Disney+ and Hulu. Presumably, the card issuer is onboarding new services into its program, but no specific details have been provided on the SavorOne landing page.

0% Introductory APR

When you sign up as a new card member, you won’t pay any interest on purchases or balance transfers for the first 15 months. However, be aware that the SavorOne charges a 3% balance transfer fee on all transferred balances during the 15-month promotional period. Once you reach the end of that period, regular variable interest rates begin. Having more than a year interest-free can be a handy benefit when you’re looking to make a large purchase or undertake a big project at home.

This 0% rate doesn’t apply cash advances—only standard purchase transactions or balance transfers. If you take advantage of the introductory 0% APR, do your best to pay off the card before interest starts.

Moreover, you never have to pay interest on a credit card if you pay the entire balance by the monthly due date. Keeping your balances low and paying your cards on time are vital steps in building good to excellent credit.

Interest Rates and Fees

If you avoid certain fee-bearing activity and always pay your balance off in full every month, which is a good financial habit anyway, you can use this card without every paying any interest or fees.

The interest rate on the card is variable rate, which means it can change at any time. As of this writing, rates range based on your credit history. Balance transfers charge the same variable interest rate, while cash advances charge the top APR rate.

Other fees may apply for balance transfers, cash advances and late payments. There are no foreign transaction fees.

Annual Fee

We already mentioned it above, but it’s important, so we will repeat it: this card has no annual fee. Many other cash-back cards with no annual fee offer lower cash-back rates, fewer benefits and no signup bonus. This card packs a ton of value, considering it doesn’t require any locked-in costs.

Tip: If you want to compare with other no annual fee cash back cards, check out our reviews of the Chase Freedom Flex℠ Credit Card and Chase Freedom Unlimited®, as they could be a good fit and offer a different combination of rewards and benefits.

Credit Score

If you have bad credit or no credit, you may not qualify for this card. Capital One prefers to issue this card exclusively to those with excellent credit. Third-party services like Experian can help you determine your FICO score, while Credit Karma can provide a VantageScore and up-to-date details from both TransUnion and Equifax.

According to Capital One’s guidelines, that means you’ve never had a bankruptcy or defaulted on a loan, never had a payment more than 60 days late on a credit card or medical bill and have one or more credit cards with a limit of at least $5,000 for at least three years. These are not set in stone, so it may be worth a try if you’re close.

For those who are new to credit or have a series of bad marks on their credit reports, they may want to look at options for cards with a more lenient recommended credit score.

Benefits

The card’s benefits don’t stop with the cash-back rewards. Here are other benefits you can count on when shopping, dealing with emergencies and planning for future shopping:

  • No Foreign Transaction Fees: If you ever travel outside of the United States, it’s good to bring along a card that charges no foreign transaction fees. With the Capital One SavorOne card, you’ll never have to worry about paying extra for converting to a foreign currency no matter where your travels take you.
  • Extended Warranty: When you use this credit card for a purchase, it automatically extends the manufacturer’s warranty where eligible. When your fancy purchase breaks the day after the warranty expires, your Capital One card will pay for a repair or replacement.
  • Concierge Service: The complimentary concierge service can help you make dining, travel and entertainment reservations and plans at no extra charge. They can make some reservations and purchases on your behalf using the card with your permission. For those who don’t like doing their own travel research, this is a handy service.
  • 24-hour Travel Assistance: The Capital One SavorOne Cash Rewards Credit Card includes a travel assistance service that can help you get an emergency card replacement and access to a cash advance if your card is ever lost or stolen and you’re in a pinch.

The card has additional benefits as well. Check the full benefit details when you sign up to learn about other protections and benefits you can use.

Redeeming Rewards

Capital One gives you several options to redeem your rewards. Here are the options you have to cash in:

  • Cash Out: If you ask me, the best way to redeem cash-back rewards is for cash. You can log into your Capital One account to initiate a standard cash back withdrawal.
  • Statement Credit: Redeeming as a statement credit lowers your next bill for the amount of your redemption. For example, if you have a $200 monthly statement and redeem $50 in rewards, your balance would go down to $150.
  • Gift Cards: You can turn your cash back into gift cards at many popular retailers. But as that locks you into specific stores, you may still be better off with one of the above redemption options.
  • Amazon.com: Linking your Capital One card to your Amazon.com account gives you the option to pay for purchases on Amazon right from your cash-back balance.
  • PayPal: Through a partnership with PayPal, you can redeem your options anywhere that takes PayPal payments once your account is linked.

Rewards never expire as long as you keep the card open. That means you can save up your rewards to treat yourself to a big purchase or regularly redeem to chip away at your credit card balance. If you want, you can even set an automatic redemption when you reach a certain threshold. Capital One gives you plenty of flexibility when it comes to redeeming your cash-back rewards.

Savor® Rewards from Capital One® vs. SavorOne

The Capital One SavorOne Cash Rewards Credit Card has a sibling, the Capital One Savor Card. Here’s a look at the major differences between the two cards:

 SavorOneSavor
Annual Fee$0$95
Rewards3% back at restaurants, entertainment, grocery stores and popular streaming services and 1% back on all other purchases 4% back at restaurants, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases
Sign-Up Bonus$200 after spending $500 in the first 3 months of account opening$300 after spending $3,000 in the first 3 months of account opening
Intro APR0% APR on purchases and balance transfers for first 15 monthsNone
Foreign Transaction FeeNoneNone

As you can see, theses two cash-back credit cards are very similar in many ways. For a $95 annual fee, the Savor Card includes a bigger signup bonus and a higher 4% cash-back rate on dining, entertainment and eligible streaming services, such as Netflix, Disney+ and Hulu. But both the Savor and SavorOne offer the same 3% cash-back rewards on grocery store spending. Additionally, the Savor doesn’t include the 0% intro APR that the no-annual-fee SavorOne offers.

Depending on how much you typically spend on dining and entertainment, one card could make more sense than the other. To make up a $95 annual fee in cash back, it takes about $9,500 in annual spending on those rewards categories, or about $792 per month. If you spend less, you will likely fare better with the SavorOne card.

Bottom Line

If you love eating at restaurants (or takeout) and find dining, entertainment and groceries to be among your top spending categories, the SavorOne is definitely worth considering. As you can see from the math above, it even gives its $95 counterpart a good run for its money when comparing rewards.

If you love to travel or mostly spend outside of dining, entertainment, streaming, and supermarket categories, there are probably better cards available for your needs. If you want to stick with Capital One, the Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card offer similar feature sets to Savor but give you travel rewards instead of cash back.

If you don’t spend heavily in these categories, the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® QuicksilverOne® Cash Rewards Credit Card are worth checking out.

But for foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card may be exactly what you’re looking for. After all, with no annual fee and a big bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a SavorOne card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

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Источник: https://money.slickdeals.net/credit-cards/capital-one-savorone-credit-card/

How to protect yourself after the Capital One data breach

Security experts have one key piece of advice for people who are trying to figure out whether their details were leaked in the Capital One data breach: Assume you’ve been compromised.

On Monday night, Capital One reported a data breach that affects more than 100 million credit card applicants. Even if someone hasn’t done business with Capital One, several other massive data breaches in recent years mean people should assume their personal details have been stolen — and consumers should take precautions to protect their identity.

“Though Capital One’s breach was internal, the fact still remains that safeguards were missing that allowed for the illegal access [of personal information]," said New York Attorney General Letitia James in a statement released Tuesday.

“It is becoming far too commonplace that financial institutions are susceptible to hacks, begging the questions: Why do these breaches continue to take place? And are companies doing enough to prevent future data breaches? We cannot allow hacks of this nature to become every day occurrences,” James said.

“With this breach we are not entirely clear on the extent of the data compromised, so it is important to react with a full-on security check,” said Robert Siciliano, founder and chief executive officer of Safr.me, a security education company.

How bad is the Capital One breach?

“This is Equifax bad,” said Siciliano, referring to the 2017 breach that compromised the data of more than 147 million people.

The breach affects about 100 million people in the United States and 6 million people in Canada, Capital One said in a statement to NBC News. The exposed information could include names, addresses, birth dates and credit histories — all key pieces of information identity thieves can use.

It gets far more serious for about 1 percent of the victims. Capital One said about 140,000 Social Security numbers and 80,000 bank accounts were potentially exposed in the data breach.

How can people find out if they’re affected?

Capital One plans to notify affected individuals “through a variety of channels,” which could mean by mail, phone, email, or alerts when they log into their accounts.

However, security experts advise that people should take precautions now to protect their identity, instead of waiting to find out if their information was included in the breach.

Get a credit freeze

Between the Capital One incident and previous data breaches from Equifax, Marriott, Home Depot, and Target, to name a few, it’s a safe bet that at least some data on most Americans has been exposed.

A credit freeze can offer an extra layer of protection by restricting creditors’ access to a person’s credit report. If a thief applies for a fraudulent line of credit, most creditors would try to look at the applicant’s credit report and see it’s locked.

The Federal Trade Commission recommends people contact each of the three credit agencies to request a freeze.

Equifax: Equifax.com/personal/credit-report-services, 800-685-1111

Experian: Experian.com/help, 888-EXPERIAN (888-397-3742)

Transunion: TransUnion.com/credit-help, 888-909-8872

Each agency will give a person a unique pin. Whenever consumers apply for a new line of credit or undergo a background check for a job, they’ll need to call the agencies and provide their unique pins to get their credit freeze lifted. This process can be streamlined if someone knows which of the three credit agencies will be contacted in regard to viewing their report.

Sign up for free credit monitoring

Capital One plans to offer free credit monitoring and identity protection services to everyone who was affected by the breach.

While it may feel hard to trust a company that didn’t live up to its promise handling your personal data, Siciliano advises people to take full advantage of these offers from Capital One.

Credit monitoring allows people to regularly check for changes to their credit score, which could alert them to fraudulent lines of credit that have been opened using their stolen credentials.

There are also several free sites, such as Credit Karma and WalletHub, which allow users to regularly monitor their credit scores.

Change your passwords

While Capital One said log-in credentials weren’t compromised, security experts still advise everyone to change their passwords.

After people change their passwords, Siciliano said they should “sign up for any push alerts or credit card activity notifications Capital One might offer through their mobile app or website.”

Password managers such as LastPass can also be a great way to generate a unique, alphabet soup-looking password that will make it harder for hackers to crack,versus using something simple such as a maiden name or Password123.

Whatever you do, reusing old passwords, or using the same one across multiple accounts is a major security fail. CreditCards.com found that 8 in 10 people in the U.S. have admitted they still reuse their passwords.

Alyssa Newcomb

Alyssa Newcomb is an NBC News contributor who writes about business and technology.

Источник: https://www.nbcnews.com/business/consumer/how-protect-yourself-after-capital-one-data-breach-n1036076

Companies sometimes try to get new customers by sending “prescreened” offers. Find out how prescreening works and what happens when you opt out.

What To Know About Prescreened Offers

What’s a "prescreened" or “preapproved” offer of credit or insurance?

Sometimes you might get offers for credit cards or insurance that say you've been prescreened or prequalified. You get these offers because of information in your credit report.

Here’s how it works: the credit card or insurance company decides what it takes for people to qualify for their products. They base their decision on information in people’s credit reports, like their borrowing history or credit score. Then the company asks a credit bureau — like Equifax, Experian, Transunion, or Innovis — to give them a list of people in their databases whose credit reports show that they meet those requirements. They also might give the credit bureau a list of potential customers and ask them to identity the people who meet their requirements.

Can prescreening hurt my credit report or credit score?

No. There will be "inquiries" on your credit report showing which companies got your information for prescreening, but those inquiries won’t hurt your credit.

Opting Out of Getting Prescreened Offers

Can I opt out of getting these credit and insurance offers?

Yes. You can decide that you don't want to get prescreened offers of credit and insurance in the mail. If you want to opt out of those offers, you have two choices:

  • opt out for five years
  • opt out permanently

To opt out for five years: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). The major credit bureaus operate the phone number and website.

To opt out permanently: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688) to start the process. To complete your request, you’ll need to sign and return the Permanent Opt-Out Election form (which you get online) once you’ve started the process.

When you call or visit optoutprescreen.com, they’ll ask for your personal information, including your name, address, Social Security number, and date of birth. The information you give is confidential and will be used only to process your request to opt out.

Opting out for minor children

Even though the credit bureaus don’t keep credit files on minor children, if you suspect an identity thief used your child’s information for fraud, you can submit an Opt-Out Request for them. You must send a written request to each of the credit bureaus. Your letter must include your child’s full name, address, and date of birth. Include a copy of their birth certificate, a copy of their Social Security card, a copy of your driver’s license or other government-issued proof of identity.

Experian
P.O. Box 9532
Allen, TX 75013

TransUnion
P.O. Box 505 
Woodlyn, PA 19094-0505

Equifax, Inc.
P.O. Box 740256
Atlanta, GA 30374

Innovis Consumer Assistance
P.O. Box 495
Pittsburgh, PA 15230-0495

Visit IdentityTheft.gov to report identity theft against your minor child and to get a personalized recovery plan.

Why would someone opt out — or not?

Why opt out? Maybe you’re not looking for a new credit card or insurance policy, you want to limit access to your credit report information, or you want less clutter in your email or mailbox. Keep in mind that if a company’s offer isn’t based on prescreening, opting out won’t stop their mailings.

But there also might be reasons you do want these offers, especially if you’re in the market for a credit card or insurance:

  • These offers can help you learn about what's available, compare costs, and find the best product for your needs.
  • Since you were pre-selected to get the offer, you can be turned down only under limited circumstances.
  • The terms of prescreened offers may be more favorable than those available to the general public. In fact, some credit card or insurance products may be available only through prescreened offers. 

If I decide to opt out, how long will it be before I stop getting prescreened offers?

Requests to opt out are processed within five days, but it may take several weeks before you stop getting prescreened offers. This is because some companies may have gotten your information before the site processed your opt-out.

Does opting out hurt my credit score?

Removing your name from prescreened lists has no effect on your credit score or your ability to apply for or get credit or insurance. 

What if I opt out and then change my mind?

You can use the same website, optoutprescreen.com, or toll-free number to opt back in.

Will calling 1-888-5-OPTOUT or visiting optoutprescreeen.com stop all unsolicited offers of credit and insurance?

No. Calling the opt-out line or visiting the site will stop only prescreened offers that are based on lists from the major credit bureaus. You may keep getting offers for credit and insurance based on lists from other sources. For example, opting out won't end requests from local merchants, religious groups, charities, professional and alumni associations, and companies that you already do business with. To stop mail from groups like these—as well as mail addressed to "occupant" or "resident"— contact each source directly.

Other Opt-Out Programs

What other opt-out programs should I know about?

The National Do Not Call Registry was created to stop unwanted sales calls. It’s free to register your home or cell phone number. Go to donotcall.gov or call 1-888-382-1222 (TTY: 1-866-290-4236) from the phone you want to register. It can take up to 31 days for sales calls to stop.

If you’ve already added your phone number to the Do Not Call Registry and are still getting a lot of unwanted calls, odds are the calls are from scammers.(link to phone scams article) Read about blocking unwanted calls (link to blocking unwanted calls article) to find out what to do about them.

DMAChoice.org

You can decide what types of mail you do and don’t want from marketers. Register at the Direct Marketing Association’s (DMA) consumer website DMAchoice.org and choose what catalogs, magazine offers, and other mail you want to get from DMA companies. They charge a $2 processing fee, and your registration will last for 10 years.

DMAchoice.org also has an Email Preference Service that lets you opt out of marketing emails. To learn more about what else you can do about unwanted email, read this article on email spam.

Источник: https://www.consumer.ftc.gov/articles/prescreened-credit-and-insurance-offers

arthritis treatment

 

Shop my way card


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Источник: http://manastek.com/6ledljn/shop-my-way-card.html

How to protect yourself after the Capital One data breach

Security experts have one key piece of advice for people who are trying to figure out whether their details were leaked in the Capital One data breach: Assume you’ve been compromised.

On Monday night, Capital One reported a data breach that affects more than 100 million credit card applicants. Even if someone hasn’t done business with Capital One, several other massive data breaches in recent years mean people should assume their personal details have been stolen — and consumers should take precautions to protect their identity.

“Though Capital One’s breach was internal, the fact still remains that safeguards were missing that allowed for the illegal access [of personal information]," said New York Attorney General Letitia James in a statement released Tuesday.

“It is becoming far too commonplace that financial institutions are susceptible to hacks, begging the questions: Why do these breaches continue to take place? And are companies doing enough to prevent future data breaches? We cannot allow hacks of this nature to become every day occurrences,” James said.

“With this breach we are amazon digital charge on credit card entirely clear on the extent of the data compromised, so it is important to react with a full-on security check,” said Robert Siciliano, founder and chief executive officer of Safr.me, a security education company.

How bad is the Capital One breach?

“This is Equifax bad,” said Siciliano, referring to the 2017 breach that compromised the data of more than 147 million people.

The breach affects about 100 million people in the United States and 6 million people in Canada, Capital One said in a statement to NBC News. The exposed information could include names, addresses, birth dates and credit histories — all key pieces of information identity thieves can use.

It gets far more serious for about 1 percent of the victims. Capital One said about 140,000 Social Security numbers and 80,000 bank accounts were potentially exposed in the data breach.

How can people find out if they’re affected?

Capital One plans to notify affected individuals “through a variety of channels,” which could mean by mail, phone, email, or alerts when they log into their accounts.

However, security capital one credit card offers stop advise that people should take precautions now to protect their identity, instead of waiting to find out if their information was included in the breach.

Get a credit freeze

Between the Capital One incident and previous data breaches from Equifax, Marriott, Home Depot, and Target, to name a few, it’s a safe bet that at least some data on most Americans has been exposed.

A credit freeze can offer an extra layer of protection by restricting creditors’ access to a person’s credit report. If a thief applies for a fraudulent line of credit, most creditors would try to look at the applicant’s credit report and see it’s locked.

The Capital one credit card offers stop Trade Commission recommends people contact each of the three credit agencies to request a freeze.

Equifax: Equifax.com/personal/credit-report-services, 800-685-1111

Experian: Experian.com/help, 888-EXPERIAN (888-397-3742)

Transunion: TransUnion.com/credit-help, 888-909-8872

Each agency will give a person a unique pin. Whenever consumers apply for a new line of credit or undergo a background check for a job, they’ll need to call the agencies and provide their unique pins to get their credit freeze lifted. This process can be streamlined if someone knows which of the three credit agencies will be contacted in regard to viewing their report.

Sign up for free credit monitoring

Capital One plans to offer free credit monitoring and identity protection services to everyone who was affected by the breach.

While it may feel hard to trust a company that didn’t live up to its promise handling your personal data, Siciliano advises people to take full advantage of these offers from Capital One.

Credit monitoring allows people to regularly check for changes to their credit score, which could alert them to fraudulent lines of credit that have been opened using their stolen credentials.

There are also several free sites, such as Credit Karma and WalletHub, which allow users to regularly monitor their credit scores.

Change your passwords

While Capital One said log-in credentials weren’t compromised, security experts still advise everyone to change their passwords.

After people change their passwords, Siciliano said they should “sign up for any push alerts or credit card activity notifications Capital One might offer through their mobile app or website.”

Password managers such as LastPass can also be a great way to generate a ally dealer finance, alphabet soup-looking password that will make it harder for hackers to crack,versus using something simple such as a maiden name or Password123.

Whatever you do, reusing old passwords, or using the same one across multiple accounts is a major security fail. CreditCards.com found that 8 in 10 people in the U.S. have admitted they still reuse their passwords.

Alyssa Newcomb

Alyssa Newcomb is an NBC News contributor who writes about business and technology.

Источник: https://www.nbcnews.com/business/consumer/how-protect-yourself-after-capital-one-data-breach-n1036076

Capital One SavorOne: $200 Bonus and 3% Back on Dining, Groceries, Entertainment and Streaming in November 2021

Slickdeals is an independent, advertising-supported service. The card offers that appear on this page are from companies from which Slickdeals receives compensation. This compensation may impact the location and order in which these products appear. Slickdeals does not include the entire universe of available credit or financial offers.

If you’re looking for a cash-back credit card with no annual fee that features bonus rewards for dining, entertainment and groceries, you should know about the Capital One® SavorOne® Cash Rewards Credit Card. After a significant update in May 2021, this credit card gives you 3% bonus cash back on dining, entertainment, grocery store, and popular streaming service purchases and 1% on capital one credit card offers stop other purchases. Plus, new cardholders earn a one-time $200 cash bonus after spending $500 with the card during the first three months of account opening.

With no annual fee and no limit to what you can earn, this credit card may be ideal for you. Keep reading to learn more about the Capital One SavorOne card, what it costs and how the rewards can easily add up to hundreds of dollars per year.

Offer Details

capital one savorone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period ⓘⓘIntroductory 0% APR on purchases for the first 15 months of account membership, variable APR after that
Rewards Rate: 1%-3% Cash Back
Details:Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: An introductory 0% APR on new purchases for the first 15 months of account membership, variable APR after that. The SavorOne Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Variable APR based on creditworthiness.

Rewards Rate: The card offers unlimited 3% cash back per dollar spent on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target). It offers 1% back per dollar on all other purchases.

Sign-Up Bonus: New cardholders can earn a one-time $200 bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? People who regularly spend on entertainment, dining and grocery stores, but do not want a credit card with an annual fee.

Why We Like It

Why We Like the Capital One® SavorOne® Cash Rewards Credit Card

Foodies and entertainment aficionados alike will find a lot of value with the Capital One SavorOne Cash Rewards Credit Card. After all, with no annual fee and a big $200 bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a SavorOne card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

Plus, when you sign up as a new cardholder, you won’t pay any interest on purchases for the first 15 months. Once you reach that date, regular variable interest rates begin. Having more than a year interest-free can be a very useful benefit when you’re looking to make a large purchase or undertake a big project at home.

Quick Navigation

Capital One SavorOne Review

There is no single cash-back credit card that’s perfect for everyone. If you’re someone who spends the most on dining, entertainment, groceries and video streaming, and you want to avoid an annual fee, this card could be a great fit for your needs.

The bonus cash-back rates for those spending categories aren’t the best around, but this card is a leading choice among cash-back cards with no annual fee. If you’re a high spender who’s willing to pay a yearly fee for a higher bonus rewards rate, consider the Capital One Savor Cash Rewards Credit Card. But, depending on your spending habits and annual fee preferences, SavorOne could be the perfect fit.

Sign-Up Bonus

New users can earn a one-time $200 cash bonus after spending $500 on the card in the first three months of account opening. Considering there’s no annual fee, that’s a great sign-up bonus to get you started. If you spend an average of just $167 per month on groceries, you’ll spend enough to earn the cash bonus.

That sign-up bonus is on top of the card’s standard and bonus rewards. If you spend the first $500 entirely on groceries, you will get the $200 bonus plus another $15 in cash back from shopping.

You may not want to sign up for the bonus alone, as it’s only a one-time deal. But a cash bonus a great way to get started with this credit card that will keep on paying you as long as you use it regularly.

Rewards Rate

SavorOne from Capital One awards 3% cash back for every dollar spent at restaurants, grocery stores, entertainment venues and eligible streaming services, including Netflix, Www tdbank com giftcard and Hulu. Additionally, the SavorOne awards 1% back for each dollar spent on all other purchases. It features unlimited rewards in the following categories:

Bonus CategoryRewards RateLimit
Dining3%None
Entertainment3%None
Grocery Stores3%None
Popular Streaming Services (Netflix, Disney+ and Hulu)3%None
All Other Purchases1%None

If you’re a foodie who spends a lot on groceries and restaurants (or takeout and delivery services during COVID-19), you are in a great position to rack up cash back with the North central high school hockey Card’s rewards. If you’re sitting at home and dreaming about movies, concerts and other entertainment that will return as it’s safe to do so, you’ll earn a lot of cash back with this spending category as well.

If you use the card for purchases at Vivid Seats, you’ll get a higher 8% back. The Vivid Seats deal is good through January 2023.

The only big limit to note is that grocery stores do not include big retailers like Walmart and Target. Only dedicated supermarket chains get you the 3% cash-back rate. You’ll earn the standard 1% rate when you shop at big-box retailers. Depending on where you do most of your grocery shopping, this limitation could influence your decision.

What Is Eligible for 3% Cash Back?

To get the top 3% back rate, you’ll need to shop with a merchant that is considered a dining, entertainment, or grocery outlet by the credit card processor. That typically includes restaurants, bars, fast food, cafes, bakeries, most grocery stores and eligible food delivery services.

For entertainment, you can typically count purchases at movie theaters, live performance venues, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, bowling alleys, pool halls, record stores and video rentals. (Are there still video rental stores?)

Capital One says popular streaming services are eligible for 3% include Netflix, Disney+ and Hulu. Presumably, the card issuer is onboarding new services into its program, but no specific details have been provided on the SavorOne landing page.

0% Introductory APR

When you sign up as a new card member, you won’t pay any interest on purchases or balance transfers for the first 15 months. However, be aware that the SavorOne charges a 3% balance transfer fee on all transferred balances during the 15-month promotional period. Once you reach the end of that period, regular variable interest rates begin. Having more than a year interest-free can be a handy benefit when you’re looking to make a large purchase or undertake a big project at home.

This 0% rate doesn’t apply cash advances—only standard purchase transactions or balance transfers. If you take advantage of the introductory 0% APR, do your best to pay off the card before interest starts.

Moreover, you never have to pay interest on a credit card if you pay the entire balance by the monthly due date. Keeping your balances low and paying your cards on time are vital steps in building good to excellent credit.

Interest Rates and Fees

If you avoid certain fee-bearing activity and always pay your balance off in full every month, which is a good financial habit anyway, you can use this card without every paying any interest or fees.

The interest rate on the card is variable rate, which means it can change at any time. As of this writing, rates range based on your credit history. Balance transfers charge the same variable interest rate, while cash advances charge the top APR rate.

Other fees may apply for balance transfers, cash advances and late payments. There are capital one credit card offers stop foreign transaction fees.

Annual Fee

We already mentioned it above, but it’s important, so we will repeat it: this card has no annual fee. Many other cash-back cards with no annual fee offer lower cash-back rates, fewer benefits and no signup bonus. This card packs a ton of value, considering it doesn’t require any locked-in costs.

Tip: If you want to compare with other no annual fee cash back cards, check out our reviews of the Chase Freedom Flex℠ Credit Card and Chase Freedom Unlimited®, as they could be a good fit and offer a different combination of rewards and benefits.

Credit Score

If you have bad credit or no credit, you may not qualify for this card. Capital One prefers to issue this card exclusively to those with excellent credit. Third-party services like Experian can help you determine your FICO score, while Credit Karma can provide a VantageScore and up-to-date details from both TransUnion and Equifax.

According to Capital One’s guidelines, that means you’ve never had a bankruptcy or defaulted on a loan, never had a payment more than 60 days late on a credit card or medical bill and have one or more credit cards with a limit of at least $5,000 for at least three years. These are not set in stone, so it may be worth a try if you’re close.

For those who are new to credit or have a series of bad marks on their credit reports, they may want td bank business phone number look at options for cards with a more lenient recommended credit score.

Benefits

The card’s benefits don’t stop with the cash-back rewards. Here are other benefits you can count on when shopping, dealing with emergencies and planning for future shopping:

  • No Foreign Transaction Fees: If you ever travel outside of the United States, it’s good to bring along a card that charges no foreign transaction fees. With the Capital One SavorOne card, you’ll never have to worry about paying extra for converting to a foreign currency no matter where your travels take you.
  • Extended Warranty: When you use this credit card for a purchase, it automatically extends the manufacturer’s warranty where eligible. When your fancy purchase breaks the day after the warranty expires, your Capital One card will pay for a repair or replacement.
  • Concierge Service: The complimentary concierge service can help you make dining, travel and entertainment reservations and plans at no extra charge. They can make some reservations and purchases on your behalf using the card with your permission. For those who don’t like doing their own travel research, this is a handy service.
  • 24-hour Travel Assistance: The Capital One SavorOne Cash Rewards Credit Card includes a travel assistance service that can help you get an emergency card replacement and access to a cash advance if your card is ever lost or stolen and you’re in a pinch.

The card has additional benefits as well. Check the full benefit details when you sign up to learn about other protections and benefits you can use.

Redeeming Rewards

Capital One gives you several options to redeem your rewards. Here are the options you have to cash in:

  • Cash Out: If you ask me, the best way to redeem cash-back rewards is for cash. You can log into your Capital One account to initiate a standard cash back withdrawal.
  • Statement Credit: Redeeming as a statement credit lowers your next bill for the amount of your redemption. For example, if you have a $200 monthly statement and redeem $50 in rewards, your balance would go down to $150.
  • Gift Cards: You can turn your cash back into gift cards at many popular retailers. But as that locks you into specific stores, you may still be better off with one of the above redemption options.
  • Amazon.com: Linking your Capital One card to your Amazon.com account gives you the option to pay for purchases on Amazon right from your cash-back balance.
  • PayPal: Through a partnership with PayPal, you can redeem your options anywhere that takes PayPal payments once your account is linked.

Rewards never expire as long as you keep the card open. That means you can save up your rewards to treat yourself to a big purchase or regularly redeem to chip away at your credit card balance. If you want, you can even set an automatic redemption when you reach a certain threshold. Capital One gives you plenty of flexibility when it comes to redeeming your cash-back rewards.

Savor® Rewards from Capital One® vs. SavorOne

The Capital One SavorOne Cash Rewards Credit Card has a sibling, the Capital One Savor Card. Are apples good for you during pregnancy a look at the major differences between the two cards:

 SavorOneSavor
Annual Fee$0$95
Rewards3% back at restaurants, entertainment, grocery stores and popular streaming services and 1% back on all other purchases 4% back at restaurants, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases
Sign-Up Bonus$200 after spending $500 in the first 3 months of account opening$300 after spending $3,000 in the first 3 months of account opening
Intro APR0% APR on purchases and balance transfers for first 15 monthsNone
Foreign Transaction FeeNoneNone

As you can see, theses two cash-back credit cards are very similar in many ways. For a $95 annual fee, the Savor Card includes a bigger signup bonus and a higher 4% cash-back rate on dining, entertainment and eligible streaming services, such as Netflix, Disney+ and Hulu. But both the Savor and SavorOne offer the same 3% cash-back rewards on grocery store spending. Additionally, the Savor doesn’t include the 0% intro APR that the no-annual-fee SavorOne offers.

Depending on how much you typically spend on dining and entertainment, one card could make more sense than the other. To make up a $95 annual fee in cash back, it takes about $9,500 in annual spending on those rewards categories, or about $792 per month. If you spend less, you will likely fare better with the SavorOne card.

Bottom Line

If you love eating at restaurants (or takeout) and find dining, entertainment and groceries to be among your top spending categories, the SavorOne is definitely worth considering. As you can see from the math above, it even gives its $95 counterpart a good run for its money when comparing rewards.

If you love to travel or mostly spend outside of dining, entertainment, streaming, and supermarket categories, there are probably better cards available for your needs. If you want to stick with Capital One, the Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card offer similar feature sets to Savor but give you travel rewards instead of cash back.

If you don’t spend heavily in these categories, the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® QuicksilverOne® Cash Rewards Credit Card are worth checking out.

But for foodies and entertainment aficionados, the Capital One SavorOne Cash Rewards Credit Card may be exactly what you’re looking for. After all, with no annual fee and a big bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a SavorOne card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

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Filter cards by category

Capital One Quicksilver Cash Rewards Credit Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Capital One's secure site

Rewards rate free money into my bank account

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance capital one credit card offers stop

Intro bonus
$200 One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual fee
$0

Regular APR
14.99% - 24.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

BEST FOR UNLIMITED MILES ON PURCHASES

Capital One Venture X Rewards Credit Card

Recommended credit

740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Capital One's secure site

Rewards rate

10X
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
2X
Earn unlimited 2X miles on all other purchases

At A Glance

Intro bonus
100,000 miles Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening

Annual fee
$395

Regular APR
16.99% - 23.99% variable

Recommended credit
740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Capital One SavorOne Cash Rewards Credit Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Capital One's secure site

Rewards rate

lol skin sale surrender at 20 8%
Earn 8% cash back on tickets at Vivid Seats through January 2023.
3% rockland county power outage
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.

At A Glance

Intro bonus
$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual fee
$0

Regular APR
14.99% - 24.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of national bank of arizona app approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

More Cards from Capital One

Capital One Venture Rewards Credit Card

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval oddsWhen you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.

Apply now at Capital One's secure site

Rewards rate

5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
2X
Earn unlimited 2X miles on every purchase, every day.

At A Glance

Intro bonus
60,000 miles Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel

Annual fee
$95

Regular APR
15.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Your approval odds
Источник: https://www.creditcards.com/capital-one/

Simple

Terms & Conditions

By enrolling your eligible Capital One credit card in Shop with Points at Amazon.com, your credit card account will be linked to your Amazon.com account. You authorize and direct Capital One to share information what is the capital city of washington dc your Capital One credit card rewards account with Amazon Services LLC and/or its affiliates.

Capital One rewards may be redeemed to pay for all or a portion of eligible purchases at Amazon.com. Capital One will deduct any rewards you redeem from your rewards balance at the time the order is placed.

Redemption values for Capital One rewards may vary and are subject to change by Capital One at any time.

If any of the products related to your original order are returned, subject to Amazon’s returns policy, you will receive a refund of the amount charged to your card first, followed by Capital One rewards points. If a refund of your Capital One rewards points cannot be processed by Capital One for reasons including but not limited to (a) closure of your card account, (b) closure of your rewards account, or (c) conversion of your rewards to a non-reward account, Amazon will issue an Amazon Gift Card to you for an amount equal to the value of the Capital One rewards points used towards your purchase.

In the event your eligible Capital One credit card is linked to an Amazon.com account that is not your own, or you allow others to access your Amazon.com account where you have linked an eligible Capital One credit card, your Capital One rewards balance will be displayed and your rewards will be available for their use.

Additional Capital One service terms may apply.

For details, please visit the rewards page in your Capital One online servicing account or your rewards terms here
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Walmart instant refund method reddit

Walmart instant refund method reddit


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Earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One Walmart Rewards® Card with Walmart Pay – the quick and touch-free way to pay with your phone at Walmart. com Phone: (833)235-2112 1. Confidently file an error-free tax return with intelligent software and our 100% Accuracy Guarantee. 00. Many stores don’t actually care about having a receipt Wal-Mart Stores, Inc. 923. “Our standard method is check, however, a cardmember can always request an expedited refund,” representative Brittney Mitchell wrote in response to questions. PM me if interested for vouches or interested to just have a discussion about it. Use this information when asked for your routing and direct deposit account number. This was a surprise to me. 5% fee (with a minimum fee of $0. Sold at: Sam's Club and Samsclub. 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Next, a personnel associate will sort through applications and reach out directly to those that match the shift and position they are attempting to fill, to determine who the best fit will be. 2  Nordstrom says it processes returns within 10 to 14 business days of receiving the item. Once they complete their first order, we’ll send you a $15 promo for your next order as a thank you. Your satisfaction is very important to us. The main concern with a tax refund loan is the cost. We would like to show you a description here but the site won’t allow us. Bring the email confirmation with you to the store along with your item. shop online or find out where to buy method. Candidates reviewed. We are listing them here in an effort to educate you about these activities. RETURN ONLINE Customer support is also available to help get your UPS return started and is available to help schedule pick up of your return items for your convenience. 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Talk with one of our trained H&R Block Tax Experts to review your information, prepare your tax return and confirm that you qualify for Instant Refund™. Please click "See More" for your details. 3 comments. Make sure that you understand all of the costs associated with the loan. Begin your return in the Walmart app or at Walmart. walmart instant refund method reddit

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Many card companies dumping credit-protection plans

— -- Credit card holders could soon be saying good-bye to some costly add-on products that promised peace-of-mind during a disaster, such as a job loss.

And many consumer groups say good-riddance.

Several consumer advocates lump credit-protection plans in the category of an expensive type of insurance that most consumers don't really need.

All such offers are not dead, though, so consumers on the financial edge should move cautiously when it comes to promotions for debt-protection products and consumer insurance.

Credit card protection plans are under fire for deceptive marketing practices, and the Consumer Financial Protection Bureau has put all institutions on notice. One concern is that the third-party outfits that often pitch these products might mislead consumers.

Under a settlement with regulators, Capital One Bank will refund about $150 million to 2.5 million customers and also pay $60 million in penalties. Capital One said it believes the average refund will be less than $100.

Consumers are to receive checks if they no longer have Capital One accounts, or credits to their Capital One cards, later this year. Consumers do not need to take action.

Federal regulators charged that Capital One engaged in deceptive marketing tactics to pressure or mislead some consumers into buying payment-protection plans and credit-monitoring services when they activated their credit cards. Some consumers wrongly believed such products would boost their credit scores.

What other card issuers are doing:

•Bank of America quit pitching its Credit Protection Plus and Credit Protection Deluxe products in August and no longer offers the plans to new customers. The bank plans to exit that business next year. Existing customers will be given an additional six months of protection free, said Tara Burke, spokeswoman for Bank of America.

•American Express stopped offering its Account Protector program — a debt-cancellation product — earlier this year and will discontinue the plan on Dec. 31.

•Chase said it stopped offering its Chase Payment Protector plans to new enrollments in October 2011 but continues to serve existing customers. Customers can cancel at any time.

•Discover declined to comment but still offered a payment-protection plan.

•Citi Cards recently paused telephone sales for its debt-protection products and said it has reviews already underway, in line with new guidance recently issued by the CFPB. Citi continues to offer its Payment Safeguard capital one credit card offers stop online but it stopped phone marketing of the product.

Ben Woolsey, marketing/consumer research director at CreditCards.com, said one troubling issue with the protection plans involved hard-sell, fear-driven phone pitches that painted a picture of "Hey, you can lose your job." "

Yet, dishing out $10 or more a month for coverage does not mean that your entire credit card bill would be paid.

Typically, a credit-protection service would cover the required minimum monthly payment for a set time, maybe 18 months or two years.

Bank of America's Credit Protection Plus allows a customer to have twice the minimum monthly payment canceled for up to 18 months for various reasons, including involuntary job loss and disability. For "Involuntary Unemployment," customers must qualify for state unemployment benefits, but they would not be eligible if the unemployment was the result of voluntary resignation, termination or retirement. There are additional requirements for students, non-profits and self-employed customers.

Bank of America's Credit Protection Plus allows a person signed up for the service to cancel the minimum monthly payment for up to 18 months for various reasons, including involuntary job loss and disability.

But why couldn't a consumer create his or her own rainy day fund to cover a small expense, such as a minimum payment?

Say the credit card holder signs up for a protection plan that costs $1 per $100 of the outstanding balance each month. That's an extra $20 a month if the credit card balance is typically $2,000 each month. Some plans can charge 59 cents, 89 cents or 94 cents per $100 a month.

"Save that amount each month, instead, and you'll have a small emergency fund to help cover your payments if you lose your job, etc.," said Gerri Detweiler, director of consumer education for Credit.com

Remember, we're talking about covering the minimum payment, not the entire bill, in most cases. Up to $10,000 of the balance would be covered under some plans, such as the American Express plan, if the person enrolled died.

The fine print of such a product could be overwhelming, too. Pay attention, for example, to such things as how much time you have to notify the bank if you lost a job.

The Bank of America product noted that a customer would not be eligible for the "Involuntary Unemployment" benefit if any of the following apply, including if you're a full-time student or work for a non-profit employer. It also did not apply in case of resignation, retirement or if you were terminated from your job because of willful misconduct or criminal misconduct.

Consumers need to take responsibility for their cards — not buy a low-return insurance plan, Woolsey said. "It can give you a false sense of security."

Before you buy, beware

Know what you're getting and how much you're paying for credit card protection plans:

•Read the small print and terms of any credit-protection plan carefully. If you're already jobless or disabled, signing up for a plan now won't pay your bills. You may have a deadline to apply after a major event takes place, too.

•Check your credit card statements each month to see if you may have unknowingly signed up for a credit-protection plan or credit-monitoring service that has a monthly fee.

•If you think the cost is too high, call a card issuer to cancel a credit-protection plan.

•Be sureservices you think are free don't have a hidden monthly fee.

•Take time to understand what exactly would be paid and when you'd be covered. The plans aren't as simple as you might like to believe.

Tompor also writes for the Detroit Free Press

Источник: https://abcnews.go.com/Business/card-companies-dumping-credit-protection-plans/story?id=17166175

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