I have had my Capital One card since 11/99 (technically since 12/00, because they screwed up my last name. when does Florence sound like Thomas). I called today to see if they would increase my limit and they did right over the phone, within a minute. Maybe it is because I pay my balance off in full online every month. I don't know why but I have no complaints. They even waived their annual fee last year. This seems to be a good company to establish credit with.