I have had two credit cards with capital one for several years. No problems. They gave a generous credit limit and a low interest rate (i pay off each month anyway, but a low one is nicer to have) which they lower from time to time without me asking. Once i forgot to make a payment on time, and they refunded the late fee without any problem (and didn't report the late payment to any of the credit bureaus. )
the only thing that was annoying was that there was no way of setting up auto-pay on line (which is why one payment was late! ). You can request a form using the online account, but the form is sent to you via mail, and you have to sign and return it the same way. When my daughter set up an account a few months ago, she had to to do the same thing, but in the last few weeks they have finally added this feature online. I recently opened two online bank accounts with capital one, no problems there once i managed to get the accounts open. They have a lot of rules, and funding the initial deposit from my online bank of america account didn't work, so i had to send in a check. Took longer than i liked to set up, but now all is fine.
I open my account when I moved to Texarkana. Later I moved to Nash, Tx and I used the bank there. They are most helpful with any matter I've taken to them. They are friendly and courteous and I believe they are most oriented towards customer service. My only problem is that there is not a branch near where I live now, in Wichita Falls, TX or close to my Mother's house in Oklahoma City. I still have my account with Capital One and will continue to business with them.
I charge over 3K a month on my credit card... ASK me how many times they deny a charge at the same places I shop on a weekly basis!
And their customer service department doesn't understand why I am upset.
Far better choices to choose from then Capital One