Capital One Offers Credit Score Access and Tracking Tools to Journey Cardholders
February 01 2012 - 8:00AM
Business Wire
Capital One Financial Corporation (NYSE: COF) announced today
the launch of Journey Credit Tracker
(www.journeycredittracker.com), a new interactive online credit
education tool* available exclusively for JourneySM Student
Rewards Credit Card customers. The customized tool powered by
Credit Karma offers Journey cardholders access to their monthly
TransUnion®** credit score and profile in addition to a variety of
tools to help them learn about credit – all at no cost.
“The Journey card was custom designed for students to help them
familiarize themselves with how credit works and build a strong
credit history responsibly,” said Mike Wassmer, EVP, US Card at
Capital One. “We want to equip our student cardholders with
information and tools to help them make good financial choices, and
the Journey Credit Tracker will allow students to understand the
impact of their financial choices and track their progress on the
path to building a strong credit foundation and a bright financial
future.”
While all consumers are entitled to free credit reports under
the law, the Journey Credit Tracker web site goes much further,
providing students with interactive tools that allow them to
quickly and easily monitor their credit score and keep tabs on
different credit factors impacting their score. Users can also
compare their credit score to that of their peers by age or
location, and the “Credit Simulator” lets users virtually simulate
how certain financial choices will impact their credit score. In
addition, users can access relevant credit education information,
including credit facts, tips and quizzes.
Launched in December 2010, the Journey Student Rewards Card has
been recognized as one of the top cards for students by experts
such as Smart Money Magazine, Kiplinger Personal Finance,
CBSMoneyWatch.com and NerdWallet.com. Journey is designed to help
college students build their credit with confidence and reward them
for responsible credit use. The card offers straightforward cash
rewards with 1% cash back on all purchases and an additional 25%
bonus on the cash earned each month that cardholders pay their bill
on time. The card comes with a low initial limit, plus tools such
as free customizable text/email alerts to help students manage
credit by keeping track of their spending and due dates.
To learn more about Journey Credit Tracker, visit
www.journeycredittracker.com. For more information on the Journey
card, visit www.capitalonejourney.com
*Depending upon the length of their credit history, customers
should be able to take advantage of this tool within 6 months
**The provided credit score is based on TransUnion's credit file
and is calculated by TransUnion's New Account Model. While this
credit score is indicative of one's overall credit risk, it is only
one of many scores available in the marketplace and may not be used
by all lenders."
About Capital One
Capital One Financial Corporation (www.capitalone.com) is a
financial holding company whose subsidiaries, which include Capital
One, N.A. and Capital One Bank (USA), N. A., had $128.2 billion in
deposits and $206.0 billion in total assets outstanding as of
December 31, 2011. Headquartered in McLean, Virginia, Capital One
offers a broad spectrum of financial products and services to
consumers, small businesses and commercial clients. Capital One,
N.A. has approximately 1,000 branch locations primarily in New
York, New Jersey, Texas, Louisiana, Maryland, Virginia and the
District of Columbia. A Fortune 500 company, Capital One trades on
the New York Stock Exchange under the symbol "COF" and is included
in the S&P 100 index.
About Credit Karma
Credit Karma is a completely free credit management service that
provides free credit scores, personalized savings recommendations,
and financial education. Credit Karma believes free access to one's
credit score is a fundamental consumer right. Credit Karma helps
more than 3 million consumers realize the everyday cost savings of
having a good credit score. For more information, visit
www.creditkarma.com.
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