To log into your Capital One account, visit http://www.capitalone.com/login.php.
Capital One Financial Corp is a US bank specializing in consumer lending. Usually among the big banks. Capital One focuses solely on consumer finance, and is known as a consumer monoline, meaning that it does not have other lines of businesses such as mortgages, business lending or proprietary trading and market making. Lending to consumers can be a very profitable business, because retail loan interest rates are high compared to loans offered to businesses, or secured loans offered to homeowners. However, the business is very cyclical, and loan default rates tend to skyrocket during bad economic times. As a result, most of the previous consumer monolines, such as First USA Bank and MBNA, have either gone out of business or have been acquired during the bad times. Capital One has been one of the few banks that have survived in this cyclical business, mainly through its shrewd use of information technology. They realized early on that accurate and timely consumer data allows it to better forecast the credit-worthiness of its customers, and to control its losses due to defaults. Capital One was one of the earliest banks to move into the subprime consumer market, offering loans to consumers with low credit scores, because its data indicated that most consumers with low credit scores are eventually credit-worthy. In 2005, they bought a retail bank to acquire a deposit base so that it could offer debit cards. It has also expanded into small business lending. As a result of its operations, Capital One has an enormous number of customers who need to check their accounts, and has set up a website at www.capitalone.com in order to allow its customers to do this.
At www.capitalone.com, you can log into any of the account services offered by Capital One. For retail consumers, it offers credit cards, prepaid debit cards, auto loans, personal loans, home improvement loans, and direct banking. For small businesses, the company offers business credit cards, lines of credit, business loans, and payroll processing services. You can log into any of the above accounts and check your balances and pay your monthly bill at this site. You can also redeem your credit card and checking rewards. If you have a deposit bank account with Capital One, you can also access your account at the same site. So for all your banking needs with Capital One, visit http://www.capitalone.com/login.php.