Caleb’s story

"Credit cards are a necessary tool to help build credit, and they provide value for getting big purchase items like cars or even houses,” says Capital One customer Caleb. We couldn’t have said it better ourselves. 

Caleb, a full-time Customer Service Representative, spouse and parent to three daughters, knows it’s important to stay on top of your finances — and that includes maintaining a good credit score. His financial mantra is: “don’t spend more than you make,” and he tends to use credit cards for important things, like emergencies and big purchases, like vacations.

Caleb loves Capital One because we give “second chances” to those with lower credit scores, which is something that he can relate to. He’s been managing his finances well and has helped build credit by using his Capital One credit card responsibly. In fact, he and his partner recently purchased a new home for their family in the GTA. That’s no small feat, especially in today’s real estate market.

We believe in Caleb and look forward to seeing what else he can accomplish. His next goal? Tapping into his entrepreneurial spirit and starting a small business with his family. It’ll take a lot of hard work and maybe a few sacrifices. But, if anyone can do it, we know Caleb can.

To learn more about how Capital One can help you on your financial journey, check out some tips here.

^* If Quick Check pre-approves a card, you can be 100% sure we’ll approve your application as long as:

a. There’s been no 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 at least the age of majority in the province or territory you live in;

c. Your application isn’t flagged for fraud prevention;

d. You don’t have an existing Capital One account; and

e. You haven’t 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^®.