capital one for years has been one of the worst credit card companies for predatory billing practices rate hikes and despicable collection practices and terrible customer service. also a guaranteed credit card through them the money to secure the card mysteriously disappears and now I see an articleby the head of the new consumer protection agency praising the ceo of capital one nigel for his understanding bullshit his company is one who created the banking mess and has caused severe financial turmoil in families in america. good advertising campaigns do not make a terrible company into a good company. read full review »