Capital One Customer, you've handled your account responsibly, so we're offering you monthly savings through our fast, safe, and secure Smart SwitchÂ® transfer program. Your special transfer rate starts low and stays low Transfer your higher-rate credit card and loan balances to your Capital OneÂ® card today and you'll enjoy a low 6.9% APR beginning now through April 2004. Then your special transfer rate moves to a low 13.9% fixed APR. We'll also increase your credit line We'll increase your credit line by up to $3000 when you transfer balances to a lower fixed APR. Don't delay, offer expires October 31, 2003 This is a limited-time offer exclusively for preferred cardholders, so complete the online transfer form. There are no transfer fees for this service, so start saving today. .