Capital One - No Hassle Cash Platinum Visa Review

Capital One has been in my wallet since college. It had the neat water drops on the front - very hip. The rates jump EVERYWHERE! Balance transfers rates and timeframes are great, but then the rates skyrocket!  There is NOOOOO middle ground!  And trying to talk this out with a customer service rep is near impossible. I resorted to email. All the emall responses go around in circles - not addressing my specific rate questions on current balances and history of rates, instead the rep recites my current terms and conditions. There is no opportunity to negotiate, no attempt in keeping my business, nothing.