Capital One was great in issuing me a credit card. I got to a point financially that I was only paying the minimum which means I was only paying on the interest so I had to get a loan to pay off Capital. My complaint is that I have now a $45.02 credit. I understand their policy that it takes 60 to 90 days to mail the check out. I called the first of the month and was assured that the check would be mailed to me in 8-10 business days. No check yet. I called again, and was informed that the check has not been sent yet and that a check will be sent in 8-10 business days. So be careful of who you talk to on the phone and if they are truly doing their job.