About a year ago (late 2007), Capital One offered an incredible 0.00% interest rate (with 3% transfer fee) until January 2010. This was unheard of. And Capital One is Capital One -- a supposedly reputable company (based on their ads on TV, I guess). This past month in November, I paid off the entire balance ($20, 000) -- 2 months before the deadline. Guess what. The December statement shows that there is $150 of finance charge! I phoned the 1-800 number, and the customer representatives are in Costa Rica and India, all speaking... read full review »