..I have had a Capitol One account fot 13 years and my Fico scores is 817..altho I do have a 4% APR I never carry a balance so they are not doing me any favors..I had asked them for a high credit line (just because it looks good on my credit report) but they wont increase my credit line..What does a person have to do..I have never been late on this or any other account and have an 817 credit score...I have Amex. Plat,and other cc with a $30k line of credit..What is Capital One`s problem..And they want to charge me a membership fee for a card that provides no services..no rewards..no thing..CAPITAL ONE SUCKS!