Well, today, Feb. 18, 2010, I found out that Capital One is taking my fixed rate from 10.9% to 17.9% and I always pay early and more than what is requested. I called their Customer Service and they said there was nothing they could do but send me some options in the mail... well one of my options is to pay off the card, have it closed and never use anything related to them again. I guess I will utilize one of their competitors cards in the future. :-) read full review »