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Originally Posted by pppg
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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You probably fit their profile for a desirable/potentially lucrative customer. Cap1 markets to people with lesser credit, but you know they want to keep _some_ good credit risks, people who carry a balance but always pay off. So when your record pops up on somebody's screen at C1, it's probably flagged "don't treat _this_ one like shit."
The job of computerized customer databases is that companies can assign different customer service policies to different classes of customers automatically, based on their records. The Big Computer punches some people a first class ticket, but others get steerage.