I am 41 years old with many credit cards and perfect credit. I want to strongly advise people against Capital one. They have been doing a lot of advertising lately "what's in your wallet". The fact is they have the worst customer service I've ever experienced with any company. I don't know if they've been growing too fast or simply do not care. It became apparent to me that they have no customer service after I made a call inquiring about a charge that I didn't remember. I simply asked if there was a way I could see a copy of my signature on it. They transferred my call severral times and eventually to their fraud department. I was on hold for over 30 minutes. Without telling me, they cancelled my credit card and sent me a new one. Now all the other charges I made on the card they cancelled were suddenly in dispute. I called to tell them and was put on hold for 40 minutes. They kept putting legitimate charges in dispute and return charges back on my account. This continued for 6 months. Every call to clear this up resulted in 40 mins, 50 mins and even over 1 hour wait times. To make a long story short, I paid off this account (including the charges that were not mine). When I called to cancel this account, which you cannot do on their website, I was put on hold for 1 hour and 10 minutes. Then I called from another phone and told them I was calling for something else and they transferred me to a manager in 10 minutes. I cancelled my account with him. It's funny because their phone system automatically says that this call may be monitored for quality assurance. I wish they would but they really dont. They don't care, they are playing the numbers game with your and my credit. Companies like this should go out of business.