Capital One (www.capitalone.com) has been running credit card commercials on various channels for many weeks now, advertising their no interest till next year offer, no annual fee, and easy signup.
I have just checked into their offer using their slick online signup, and while easy to complete their resulting offer was far from what they advertised. Their form was very simple and did not (surprisingly) ask much about my background. The offer explanation before the form was exactly what the TV ads described. However almost immediately after submitting the form the Capital One system miraculously discovered I was simply not eligible for their freebies and instead to complete signup I'd need to pay an annual fee and agree to THREE TIMES the APR.
I have a dozen cards, including platinum, none with annual fees. My income and credit rating are more than sufficient to secure any card I want. Returning with the bad offer in barely enough time to submit the form information itself is clearly a bait-and-switch trick.
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