Capital One didn't send notice of rate increase. When I received statement with increase notice, they wouldn't let me opt out - too late. When I called this February to find out why the disclosure notice wasn't on the statement, they said it would be on the next one. They also told me that if I pay just the minimum payment, the payoff time was "never". Then miraculously my credit card was cancelled. I called to find out why - they said I called and cancelled it. I did not, but they refused to admit it or fix it. read full review »