avoid capital one. Worst credit card company EVER! Including me, there are three people I know that got a credit card threw them that was 0 intrest for 12 months at a a supposedly fixed apr of like 11%. After two months of paying it on time and not coming close to the limit, everones card started accrewing interest and the apr was 20%. I called and asked them what was going on and for them to change it back, they said no and that they can change the offer. I told them that if they don't change it they can cancel my account when I pay off the card and they said ok. Card was paid off real quick and canceled it....and they keep sending me offers in the mail.
