DO NOT do business with this company. Capital One should change their motto to ' Take what you can. Give nothin' back ! " We have been Capital One customers for over a decade. Until about two years ago all went well. We have superb credit scores and have NEVER been late on a payment. Our initial rate was 6.9%, but two years ago it suddenly jumped to 12.9%. No explaination other than they had the right to change terms. Today's statement shows a rate increase to 16.9%, again with no explaination other than " we have the... read full review »