My opinion of Captail One remains the same. They offered us credit when no one else did. Sure, they're hard to grow with, but without them we would not be where we are now. Capital One paved our way for repairing previously low credit and getting us the cards we have now along with a decent car loan. In a few years with good use, I imagine we'll be ready for a mortgage.
So while it is true they are difficult to grow with, I could never belittle the company that helped us get on our feet with credit. I like them. I won't be closing them anytime soon if at all.
I've always loved cap1.they started me with 3k before i had any history, then PCd me to cash rewards with no hassle, i got my credit steps increase to 3.5k and then they offered me a PC to venture card which i will be taking after I get my 50% anniversary bonus.