I received a "congratulations for coming out of bankruptcy" offer from Capital One in the mail. Pre-approved, no fees, etc. I had not applied for any kind of credit card in 5 years, and thought, ok maybe this is a good time to get one and begin to establish payment history again. The day I activated the card I was told I had $300 for credit and/or cash - both of which were available immediately. I went to a movie and charged $16.o0. The next day I was making a purchase for which they'd only accept cash (ok...a new kitten), when I... read full review »