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The Capital One Story : How The Upstart Financial Institution Charged Toward Market Leadership Suclass Code_10FE an experience which he recountedAfter twenty five years in the credit card business, Capital One has earned its place in wallets across the world. When the companys two young founders set out to individualize credit, the financial world thought they were crazyuntil it was clear that they werent. Working in the banking industry, Richard Fairbank and Nigel Morris saw that the one size fits all standard that the credit card companies employed was leaving big money on the table. They