I'm commenting on my own review. I found out that Capitol One delibertly did not post one of my debits and allowed another debit to go through and in their words..."we do this sometimes for our good customers so that they can buy more and use the card when they need it." Thus promptly adding over the limit fees then, late fees while I tried to find out what was happening. Then ruining my credit, costing me more for my insurance. Yeah, they're all wrapped up together. I started at 3,800 and now am up to 4,900 that they say I owe them. Whatever! They won't let me cancel and pay them off and they just keep putting on fees and late charges. I'm not going to throw good money after bad. I've told them time and time again that I have no problem paying what i owe but they refuse to make a deal with me and keep racking up charges.