Personally, I have never experienced any problems with Capital One. However, I understand how frustrating it is, especially when you have a bad experience with customer service, after being such a loyal customer. The best way to deal with these situations, is to write a letter to Capital One, stating your specific problems with them, and ask them, how they plan to rectify the problem. Sometimes, you can get a lower apr because of it, turning a bad situation, into a better one. To check out better options for you, go to Compare Credit Cards Online and Apply For Credit Cards

Good Luck!