I have had lots of different credit cards because i usually end up getting rid of them because they do not make me happy with all of the schemes they have pullled with hidden charges and such. I have never had a problem like that with my capital one card. I would say that i will have this one for a lifetime because it is the best i have had and they have very nice people who are willing to help with any questions i have had. I had a little trouble with one of my payments and they said they would take away the late charges so that i wouldn't get behind this help tremdously and i'm am very grateful...