This is what happened: He lowered my APR from 19.80 to 15.99 Waived member fees $59.00 Increased my limit from $500 to $1200 and he surely unsecured my account!! Took the $99 and applied it as a payment. YEAH for Mr Cooke!!! I've had the capital one credit card since February 2003 (7 months) and my credit score is around 602 (Eq). I am not sure if he pulled a hard or not but I do have a paid collection on all my reports.