Yeah, not too surprising Capital One has a poor internal culture, they do a ton of creative accounting, to the point that they were able to outmanuver American

Yeah, not too surprising Capital One has a poor internal culture, they do a ton of creative accounting, to the point that they were able to outmanuver American Express on the Costco relationship. That being said, I really hate my Costco Cap One card, anything over $300 gets flagged & SMS approval doesn't ever work (despite getting a confirmation back saying it will go thru). I've heard some pretty bad stories from the people over at EMC, they share a joint office here in Seattle with Capital One.