I used to be in lending and was in charge of our financial institution's credit card dept also. Since that time, I've had a Capital One credit card and I am truly surprised at how poorly they treat their customers. I am apalled at how they use every opportunity to gouge their customers. I have never seen anything like it and I saw a lot of credit card issuers in my day. Even their rewards program is ridiculously bad-Chase gives me a $25. gift cert for every $2500. in rewards. Capital One gives me a $10. gift cert for every $4000. I spend. No matter what I do on this account, Capital One manages to absolutely go out of their way to be the greediest most dishonest credit card company I have ever seen. One time I paid my card two days early and they charged me a late fee for the next month. When I called and asked them to reverse the fee, they refused. I would highly encourage everyone NOT to use them. They are piranhas. Use your local bank or credit union and establish a relationship with them. I just cannot say enough negative things about Capital One. They are so borderline dishonest and deceitful-it's frightening. THEY are the reason the govt is going to crack down on credit card companies and deservedly so.....