今天收到了这样一张卡，记得自己没有申请过的，要让自己激活。不明白也没听话过。有些内容是这样说的：if you meet these requirments, you will receive a Visa Platinum account with a credit line of up to $30000, or at least $500, and the rates below.

APR for purchases: 0% through your statement date in April 2006(introductory period).;after that:16.99%

other APRS: balance transfer APR:16.99%; CASH ADVANCE apr:19;99%; default APR: UP TO THE PRIME RATE plus 23.74% or up to 29.99%, whichever is greater, and many vary.

Variable rate information: your APRS many vary; purchase APR:16.99% or the prime rate plus 10.74%, whichever is greater; cash advance APR: 19.99% OR THE PRIME RATE PLUS 13.74%, whichever is greater;

Grace period for purchases: at least 25 days if the New Balance is paid in full by the Payment Due Date.

Balance calculation method: Two-cycle average daily balance(including new purchases)

Annual fee:0$

Minimum fiance charge:1$

Transaction fee for purchase: for purchase made outside the U.S. and its territories:1% of each purchase

Cash advance fee: 3% of the advance($10 minimum)

Balance transfer fee:$0 for balances transferred within the first 90 days of account opening. For future offers, a fee of up to 3% of each balance transfer($5min./$75 max. per transfer) may apply.

Late fee: $19 if balance is less than $200; 39$ if balcnce is $200 or greater;

overlimit fee: 35$ if you exceed your credit line at any time during a billing cycle.

late fee, overlimit fee这些就不用帮忙解释了，别的还是想请知道的人帮忙明白一下。来了一年了用了CAPITAL　ONE的500刀　LIMITATION的卡，被CHARGE了2次OVERLIMT　FEE。打了电话也不提高限度，交易信息在网上根本看不到。想就放在那里不用了。记得1个月前申请过Discover card，但拒了。是想再申请个卡，可这个我也没申请，寄来了也搞不清楚，是要还是不要。太烂的卡真的不想要。

谢谢！！

再次感谢！！

那就要了先，因为这个capital one恶心的记录，CITI，DISCOVER都拒了我。先要这个吧。

有很多种卡可以申请 比如 CHASE， CITI， BP。很多的网站上都可以申请，还能拿点小钱 如AMAZON。 BANK ONE 的太差来。