As with many other people (as can be seen on this website and others), I too received a mailing, very generic looking that only through luck I happened to open and read. The mailing is a Notice of Changes in Terms and advises that your interest rate is being changed - in my case from a fixed rate of 12% to a variable rate of 22.9%!! When I called Capital One, I spoke to a very nice young man by the name of JD who stated he does not know how Capital One chose the accounts to make changes to but that I should not view the change as being... read full review »