GEMB is slashing my CLs left and right.. no lates.. no over the limit.. you all know the stories since there are enough of them here.... yet, I have had my Cap1 MC for ONE MONTH.. have used it a lot... have not PIF and they just gave me a $500.00 CLI tonight. And, of course, credit steps will kick in, in another few months. I know many people are down on Cap 1, but in the 9 months I have been doing business with them... they have treated me well.