Pros
As my first job out of undergrad, I've found COF to be an excellent place to start a career. As soon as you're able to show some ability, you're given a sizable area of ownership and influence. Its not uncommon to folks six-months with the company to regularly be presenting to Sr Manager +. Another benefit it lack of heavy-handed top-down management. I have the feeling that leadership sets the direction and the associates are free to determine the most effective way to reach our goals.
Cons
Really this is driven by the macro-environment, but I question the long-term sustainability of our company. As a result of what looks to be a mid-term peak in credit & credit cards, increased regulation, and a looming recession, we will be forced to cut back on some of the things that have made the company great; total compensation, innovations, and fast growth