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Capital one prime lock

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I keep hearing about a new platinum card from capital one called prime lock. Its supposed to have a locked interest rate that stays at prime.


But it's by available by invitation only. I have avoided Captial One because I don't like being so carefully studied. And given that I always pay balances in full (unless the interest rate is below what it costs me to borrow money overall) there's no advantage for me to have a card rate tied to prime. It's difficult to make money by investing borrowed money unless you can get it for significantly below prime.

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