The Capital One commercials have been drilled into our brains for what seems like forever now. That's probably what drove me to choose to open an account with them.. I went ahead and opened an account and started using my Capital One visa card, albeit not too incredibly often. The card itself didn't have too many issues, the interest rates were okay. They weren't fantastic but they were okay. The main reason I closed my account and paid off anything that was outstanding was because of the horrible horrible customer service that they have. I have had several occurances that I had to call them and they are not very helpful at all. Or if you finally find someone that is helpful you can never get them back. Customer Service I was not pleased with the customer service reps ninety nine percent of the time, there were rate occurances where I got someone that was actually a little helpful.