#2 My mom has a Capital One account, received her statement and they had charged her a $59 annual fee. SO from what i've learned on here I told her to call and try to negotiate with them (her credit is being re-built, but not very good right now). SO she calls and they drop the annual fee AND they gave her an increase from $300 to $900. I wanna thank everyone on this board. She was too happy and you are all the best.