[morgante]

> Capital One 360 is for people with better credit than the folks in the article have.

They don't pull your credit to open an account, so I don't see how that's true. I've had one since I was 18 (and had no credit history to speak of).

[protomyth]

No credit is different than bad credit. They do claim they stopped using Chexsystems as an additional check but they still check credit.

A lot of financial institutions like to offer products to 18 year olds. Ask about credit cards issued to college students.

[rdl]

I'm sure they pull chexsystems.

[morgante]

ChexSystems is different than a credit report. They can clear you even if you don't have any credit or have bad credit.