I have had a Capital One credit card for 5-10 years...never once have I been late in paying any of my creditors, my credit score is exceptional and I never have gone over the limit on any of my credit I have. I would consider myself a very very financially responsible individual (my parents obviously did something right). Only problem I have had with the card is that it holds a high balance due to an ex-gf who split town without paying me. Anyway, June 2009 I received my statement and low and behold received quite a shock. The interest rate... read full review »