I didn't keep record of it. I had already been warned about Cap so knew to keep a lookout. I wasn't charged for anything in the end, and I can't be bothered to file a BBB claim. If it happens again, I will just close the card.

Cap is (relatively) new to NYC, and they definitely do not have an "upscale" reputation. I've always thought of Cap as a bank that appeals to the less than financially stable crowd, but that might just be my (mis)perception. I've been with Chase for years and have been rather happy now that they've finally merged their "systems."

You wre correct in assuming I was referring to Cap CC services. I do not have any other accounts with them. Honestly, it doesn't make sense in NY as they still have few ATMs and branches when compared to Chase.