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.