I watch my credit frequently sometimes daily just to make sure nothing funny is going on. I received paper statements and file them carefully because I like to keep duplicate records. I do all my payments on-line. Recently, within the month I called Capital One arbitrarily to see if they could lower my interest rate. The agent said that they would be raising the interest rate and that I had been sent a letter. I have two accounts my son has one at the same address. WE DID NO RECEIVE ANY NOTICE/LETTER ON ANY OF THE... read full review »