I used to work for First USA (sux) and I can honestly tell you their security is non existent. They do not shred anything that I ever saw. Credit Card #'s get written down all the time & then thrown away. All you have to do is go in their trash dumpsters. Plus I found a piece of paper out in the parking lot that all of someone's info on it. Hell after I left I discovered that 1/2 my personal paper work had CC #'s on them. In training they showed us all how to look up celebrities and all sorts of crap. I will never have a Capitol One card. On the plus side I do know if you don't have late fees all the time & you get one if you call up there and ask nice you have about a 70-80% chance of them going ok its off. Now this is depending on who you get. Some people work there just because they love to argue.