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Just for a conflicting story, I have had nothing but a great experience with Capital One. I am not discrediting your story, as it does not suprise me. However, I have had great customer service through them. About 7 years ago when I started college, I had their high-rate student card. I never carried a balance and they kept increasing the limit slowly. I called after a few years of having the account, and they helped me close the student one, and open up a regular account. 8.9% interest and a decent credit limit. I had a late payment one time, I called them and they took off the charge. Also, I noticed on my credit report that they never said that payment was late. When I just got married, I called them and they offered 6 months no interest on all purchases. If they were not paid off after 6 months, no back interest was applied. I've been happy with their CSRs, rates, and also I like their simplistic website.
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