Capital One, like the stereotypical credit card company, preys almsot relentlessly on its customers. If a customer gets anywhere near his credit limit, they will, if possible, raise the interest rate and make you go over limit. Then they will give you excessive ($40?!) over-limit fees. The reason I rated Capital One as highly as I did was that when my interest rate and fees became so high that I could no longer pay my minimum payment, they refunded $78 of my fees. NOT much compared to what I've paid them in hidden fees since I got the card. But it was something.