I am getting ready to move my account after 10 years of never missing a payment i continue to maintain a high interest rate and they will not discuss lowering it or even listening to why they should lower it. Every month for 2 years i have been told my account will be reviewed for a lower interest rate but it never is. I even spoke to the hardship department who can not help with lower interest rates.
capital one .com invited me to sign up for credit tracker.. yesterday I did and today I get email of change in my score. therefore today I log on to capitalone.com only to find NO LINK to the service now that I had signed up.. better yet customer service (nonservice) said they couldn't help me with it because the tracker is provided by a third party. So once again capital one is only interested in signing you up for something with no intent to ever service the idem.
Yes, they are a money-fee hungry beast. ING was great but now that they merged with Capital One, you should dump them both or expect fees that touch the legal limits.
Go to a Credit Union, they are fair and easy to join these days. Capital One and ING now enjoy a revenue model that caters to people with no options..You can do better.*