The only, only reason to have a Capital One credit card is that they do not charge foreign exchange fees. Otherwise, their card is nothing and customer service even worse. I just came back from Italy and found out that my hotel in Florence had placed an unauthorized charge on the bill after I had checked out with a zero balance. The hotel claimed to know nothing about the charge (therefore, there was nothing to remove), so I asked Cap One to do a chargeback. I had to submit documents 3 times! They asked for the credit card receipt (doh! Why... read full review »