After 8 years of good standing with Capital One, they just did the same to me. I pay my balance in full every month. I called to OPT OUT. The rep tried to keep me from doing so, saying that since I pay my bill in full, a much higher rate is a mute point, but it still makes me mad.

So I am leaving Capital One and will now look for a better Visa card.

And in this economy, one never knows when things may change and I may not be able to pay my bill in full every month.

It just really ticks me off that they make these changes to good customers.