For some reason, I did not qualify for the platinum card, but was given a gold card. It was done on their instant decision application. I rechecked the disclosure on there web site and confirmed the same terms as the platinum. I called into the customer service to confirm the terms and it has changed!!! To my amazement, the terms are 0% for 6 months, 19.9% thereafter. Also, there is a $39 annual fee. How can this be possible? I tried talking to them to wave the annual charge but the wouldn't. I even talked to a supervisor they confirmed the disclosure on the internet, but would not waive the annual fee. Does anyone know who I can talk to in the executive offices at capital one to try to change the terms? Or maybe someone else that I can complain to? I felt that I was be defrauded by their disclosure. Thanks in advance for your help.