Applied for an instant reply credit card. Rec'd email saying it was under review. One week later still no response. Then a strange telephone call from fraud dept wanting me to fax lots of documents. Reps unprofessional and when it is 2, calls it tree so i thought she meant 3. Spent an entire day trying to track down info with various depts of Capitol One and transferred again and again for long hold times. numbers. The two User's recommendation: Don't get a capitol one credit card, not worth it.