Capital One is trash. They don't report any of my payments, so it doesn't build any credit (which is the only reason I got a Capital One card) And months after setting up an account with a username, password, security questions and SSN, they locked me out of my account and won't allow me to sign back in without having a text sent to my old phone number, that's the only option they offer. After calling their support number, they completely wasted my time.