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Not only are they cruel with their interest rates. We had an account with them. We paid off the balance, called to cancel the card and stopped using the card but they kept sending us bills and charging us for a monthly fee. So we went a letter stating that we wanted the account closed and made sure things were paid in full. We still received another bill with further charges. We finally sent them the cut up card which we had saved in another letter reiterating our previous request to close the account. When we bought our house it was still on our credit report that there was a remaining balance. We needed to clear our credit report so we paid it but we paid it through a financial institution who sent one of their own checks. We finally got a notice from them that the account was closed. This was received almost 2 years after the first request to close the account.
I will never use Capital One again and will encourage any of my family and friends not to do so. Their customer service was difficult to navigate, most of the people were not helpful, and the hold time was extremely long most days. Not a very well managed company.
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"Always learn the rules so that you can break them properly." Dalai Lama
My Karma just ran over your Dogma. 
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