Capital One, like all credit card compamies, raised my interest rate when I paid late. I called and explained that I had inadvertantly done so, and they agreed to lower the rate and, without my asking, offered to give me six months to pay with no interest. Their customer service was outstanding, and I promptly switched all of my other balances to them in gratitude. In the current economic climate, I recommend careful research regarding monetary outlay, but Capital One has been the best choice for me.