A colleague where I work got a snail mail targeted offer with "personal codes" for this card. I know it has problems. To begin with, it's Capital One...maybe that's enough to end the discussion, but a $500 cash bonus for $4500 spend in first 3 months, and no annual fee, is pretty tempting. There's 1.5% cash back on "every purchase," but I really would do this just for the $500 signing bonus.
1. Is the $500 bonus worth the anticipated pulls from all 3 credit bureaus?
2. Would you include this in an app-o-rama or do it solo?
3. Do you think the "personal codes" are really personal, or could I use them?