@JayRizzo wrote:I have to agree with ap3xlabs, I see a lot of members showing signs of that Love/Hate Bipolar syndrome with their lenders. In the beginning, it's all gravy... then, when you don't get what you want -- they're the scum of the universe. Remember, it's not our money.
Mjbfan79, with no AF you were not losing anything. I think most people would be jealous of that offer. Anyhow, did you think Cap-1 was going to feel sad for losing a customer when they have millions? Really, no. Yes, it's true -- they don't care because your account doesn't add any value in their eyes. So, like you said about a relationship... if you're doing all the work and the other party does nothing (in this case, flip it around and you're the bad date), they have no problem saying goodbye -- they're just hanging around waiting for YOU to say, "ummm it's not you, it's me...".
I neither like or dislike Capital One. It's just my credit card company, that I do business with. I don't mix business and my personal feelings.
I've been pretty happy with them. They are what they are, and I think that they do a better job than most with the subprime market. The AF is reasonable and the offer a rewards card for subprime credit. I like their website, I can pay as many times as I want without having to constantly deal with payments being held, and I've never had a problem with their CSRs. Even though I'm looking forward to moving on to prime cards, I have no bad feelings towards Cap1 and will keep my cards with them; one of the two is my oldest open CC.
Now First Premier I just plain don't like, but that's another story! 
Cap one like any other company out there are in the business to **bleep** you whether you do business with them or no personal feeligns are involved. When you have bad FICO's Cap one know that you need them. So they give you a card and can deny you CLI when they feels like it. They know you're stuck with them.
Cap one also treats you according to your CL. The more you have ,the better service you get. That's normal business. We the small people with small CL are not their main concern and whay should we be? They have bigger fish to catch out there but in the process they can and do **bleep** with the little card holders. They gave me a card when no one would and I appreciate that but don't give me the BS that 'we review your account for a CLI every 6 months'. Then you have a card and always pay it on time with 5% util all the time. 3 years later no CLI? So yes it gets personal.
Just a rant about Cap one but at the end of the say it is what it is. It's a bank, so we the people will never win.
