I have a capital one credit card that I don't have problems with. However, my car loan had also been through them. I had been 30 days late with it before I paid it off (A YEAR AHEAD OF TIME), and yet on my credit report is is showing as late, and it doesn't really look as though it is paid off. (It esp doesn't look like I paid it off in advance and now hold the title). I forget exactly what notation they had on it, but it made it seem more like THEY closed the account on ME. Which does NOT make it look good for me at all. I wasn't happy, and have not been able to get it resolved. Plus, their fees are ridiculous if you go over the limit on your card on accident.