CAPITOL ONE started charging annual fees even before I recieved credit card in mail which i did NOT activate.I think all consumers should be aware of what the application says even though it is printed so small most adult could not possibly read the fine print. It too 3 represenatives to work on the issue and cancel the cad that was not activated anyway to resolve this issue. The customer service department after getting through the computer base phone system was less than consumer friendly. 30 minutes on the phone to settle an account closeure is ridiculous. Alll consumer beware wth capitol one Whats in your Wallet not capitol one read full review »