We guarantee to accept you for a Capital One Credit Card if you can say YES to the following:

* Age 18 or over
* UK resident and able to prove identity and address
* You not being bankrupt or not listed on fraud databases*
* You are able to provide a deposit of between £49 and £200 if required for a secured card†

Most cards issued are Classic Cards. If we are unable to offer you a Classic Card, we will offer you a secured card:
-Choice of card designs
-No annual fee
-Spread your payments

For cash withdrawals the interest rate is 29.94% per annum variable. The interest rates per annum are variable and linked to the UK Clearing Bank base rate. The base rate is 4.75%, correct as at 02 March 2005. If there has been a change in the base rate since this date, the interest rate per annum will change accordingly. Information about the base rate maybe found in the Financial Times. Credit is available subject to conditions.

*These databases are the industry fraud database (CIFAS) and/or our Capital One database which captures previous fraudulent activity.

The secured card has all the benefits of the Classic card - all you have to do is provide a cheque as a security deposit, of an amount between £49 and £200. Don’t send any payment now. We will write to you if we require a security deposit. See clause 25 of the terms and conditions for full details.


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