If you need access to credit now, apply for the Guaranteed MasterCard®. Regardless of whether you have had credit problems in the past or have no credit at all, you are guaranteed to be approved for this credit card from Capital One. Your activity will be reported to the credit bureaus each month, so if you use the credit card responsibly and pay your bills on time, you can build or strengthen your credit history. Simply pay at least your minimum monthly balance on time every month, and you are on your way to good credit. The Guaranteed MasterCard® has $0 fraud liability, keeping you from owing anything if your card is used for an unauthorized purchase. Capital One’s customer service is available for you 24/7, both online and by phone. One MasterCard benefit you will have access to is Master Global Services, which can provide you with emergency cash advance and emergency card replacement. You will receive many desirable travel benefits for having a Gold Capital One MasterCard, such as car rental insurance, help with delayed baggage, and travel accident insurance. You also have access to 24/7 emergency roadside assistance and MasterAssist Travel Assistance, making your travels more carefree.