Still searching for the secret sauce of good credit?

You won’t find it in the condiment aisle.

If you checked out our previous article, you would’ve learned that the secret sauce of good credit is you! YAY YOU!

Your responsible credit use and dedication to making smart credit decisions is the stuff that good credit is made of. If you make your payments on time every month, make at least the minimum payment and stay within your credit limit, you’ve got what it takes to help build your score.

For us, credit is a belief in you, which is why we love letting our customers know they’re on the right track with credit. Plus, we’ve created tools and resources to help our customers succeed with their finances. Here are just a few:

Get motivated to take control of your credit with useful resources.
Did you know that in the first two years of becoming a Capital One customer, you’ll get personalized emails to celebrate your wins (like making your payments on time)?

Know where you stand with Quick Check^®, our credit card eligibility checker.
Find out which of our cards you’ll be approved for – before you apply*. It’s free to use, and checking doesn’t impact your credit score.

Manage your account anywhere, any time.
Our mobile banking app and online banking allow you to set payment reminders and access recent transaction details on the go.

Find out which of our credit cards you’ll be approved for before you apply^*, with no impact no impact to your credit score. 
Try Quick Check^®. 

Learn more about how Capital One can help you on your financial journey.

^* If Quick Check pre-approves a card, you can be sure we’ll approve your application, except in limited circumstances. Some of the reasons we may not approve your application, among others, include:

a. There’s been a change in your credit file information, personal information or financial status from the time you receive your Quick Check results to the time you apply for one of our credit cards.

b. You’re not at least the age of majority in the province or territory you live in.

c. Your application is flagged for fraud prevention.

d. You have an existing Capital One account.

e. You’ve applied for a Capital One account in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.

In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.