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Like a few others, I've always referred to Capital One as CrapOne. Not, mind you, because they've ever done anything terrible to me, but more because of what I have seen them do with others. Those with Cap One cards that have a ten year history at a $300 limit should understand. I've also not been too kind with HSBC USA or Orchard Bank. Many years ago on a day that I probably forgot to take my meds, I tried the OB pre-approval tool and ended up with an OB card. I guess I was lucky in that there was no AF and the APR was under 9%, but the CL was only $300 and on that is was stuck forever. And ever. A while ago I decided to close the card as not only was a $300 limit pretty much embarrassing as well as useless, but also I had no expectations of Cap One treating the account any better once they took over. I called, closed the account and felt pretty good about it. I sent an e-mail after that telling them that they might want to start looking at their cardholders individually instead of as a giant group of misfits if they ever wanted to gain the same respect that HSBC has outside of the US. I did not ask or otherwise indicate that I wanted my account back. About two days later I was surprised by a call from the Cap One Executive Resolutions Unit. The guy was extremely nice and said he understood my concerns and they were seriously looking at handling accounts on a case-by-case basis instead if lumping them into unmodifiable groups. Meanwhile, he asked, what would it take for me to accept an account reopening. I told him that I had too many accounts as it was so for the moment reopening the account was not something that appealed to me. He asked about rewards, but I mentioned that rewards didn't interest me and with a $300 limit the rewards would need to be at least 50% to make it meaningful. We both chuckled over that and it was suggested that they could raise the CL. I admired the guy's attitude, tenacity and desire to go the extra mile so I figured I'd end things on a positive note and let him reopen the account. When he stated they'd probably have to place an inquiry on my credit report, I started thinking lucidly again and started to object, but thought I'd try being kind and magnanimous for a change and said ok. A few days later I get a call that my account was reopened. Although I kept thinking of a $100 CLI costing me a hard inquiry, I struggled to remain gracious. Then about two days after that they call and said they got an approval on raising my limit to $10k. Holy sheet! I'll try never to refer to Cap One was anything other than Cap One again. Ever. I adore them! After I get my new Cap One card this summer I will PC to Venture or something.