A little background: I acknowledge the Cross Country Bank debt, but refused to pay them due to the misleading practices, Pi** poor customer service, their payment posting practices etc. I accepted this offer as I was well within the credit reporting period and received my Cap One Card a few weeks ago. No available credit of course as the limit was set at $400.00, the remaining $491.00 put into a special status so no overlimit fees accrued. I decided, just for fun to call Capital One to see if my limit could be increased. After explaining the situation to the rep on the phone, I was placed on hold for a short time, she came back and advised me my limit would be increased to 1200.00 at 9.9%. I can't say enough good about Capital One, although I know the experiences posted here have varied, I found that they are giving me a chance to liquidate a debt I felt badly about not paying and offer me additional credit very refreshing.