Amazing how you have to opt out of not going over the limit. Ironic how I got capital one to build my credit and it has hurt is worse than ever! I lost my job and my limit was $1500. I went over by $2 and now I owe $3800+. They would only discuss a payment plan of $400 a month. If I couldn't pay $100 how am I suppose to pay $400. I felt like it was a pryamid scheme with them telling me to go ask family and friends. They said they would work with me and they didn't!!! I closed my card and am still getting fees. NEVER AGAIN! I will... read full review »