I am approaching one year on having a Capital One MasterCard. I started with a $500 non secure credit limit and a $59 dollar annual fee. I receive a letter eight months later asking me if I want my credit limit raised from $500 to $4500, and of course I accepted. I made a call this week and spoke to a supervisor and my $59 dollar annual fee is getting waived for 2011. I also requested to have my interest rate of 19.8% lowered to 9.9% and the supervisor stated that is something the credit department decides on. I was also advised that that my next review is at the end of Jan/2011.If I can have my interest rate lowered to 9.9% I will not shop around for a another card. I give Capital One an A so far from my own exeprience.If they lower my interest rate then I will give them an A+.