Capital One - VISA Review

I have had my Capital One Visa card for several years and they recently informed me they were raising my rate (like other cards are doing). I have never really had any problems with them, other than they wouldn't increase my limit to do a balance transfer, which was dissapointing because I wanted to consolidate my debt onto one card and at the time, Capital One had the best interest rate. Their customer service is pretty good and you can actually understand their service reps. It may be trivial, but I do like the fact that they offer different card designs (I have the leopard print one). I think in order to gain more business they need to offer a rewards card. Everyone uses credit cards, especially young people and with interest rates on the rise, people want to get something in return for the added debt they are incurring. I also like the fact that Capital One offeres on-line bill pay. I pay all of my credit cards on-line and it makes it very convenient. I can also look up my account information when I have questions on transactions.