

Human: why is capital one a bad business?

Assistant: 
Capital One makes credit cards, which we use to buy things. They’re competing with banks that make credit cards and with Visa and Mastercard, which is a big business. They charge extra for certain services, and pay extra for insurance that protects their customers against losses. So it depends what you’re looking for in a credit card.
If you ask me that, my first thought is that it depends on what you mean by “capital one”. There are lots of corporations with that name, and the ones that aren’t trying to trick you are probably fine.  But most of them are just selling something you already have. For example, they sell credit card services for merchants, and offer to allow them to use “disposable credit cards” for your customers to use in lieu of a “real” credit card.  So their purpose is to provide services for the ones that already exist.  It’s a business of facilitating something you already do.  