I was hoping to switch my business credit card spending over to Capital One, because of their cash back rewards. The problem was I have two Capital One business cards, one for $20,000 and another for $10,000. I called them to attempt to combine these cards, as sometimes I can spend $25-28k in a busy month. Not only did they deny my request, they instantly changed the terms of my account. A pamphlet was sent out the same day notifying me that my rate would go up drastically in April. There's another card for the shredder and another bank I'll never do business with again.