No. of Recommendations: 2

Yeah, it sounds like some folks on the board are being a bit hostile to Javi. He raises some excellent points that most of us probably never knew, and if I had been pinched by this behavior, I'd probably be pretty hot about it, too. It's legal, but seems pretty unethical. And it's not like CapOne is a small outfit. They could be hurting a lot of people, as there are a lot of people that may be on one of the borderlines between ranges, or a CapOne card could be their first card out of college, so the damage isn't distributed across a broader credit history.

I think the ire here should be directed at CapOne -- they are deliberately harming their customers so as to keep them captive. That's pretty $#itty, in my book. And that's why I'll be finding my CapOne card this weekend, and telling them they can have it back.

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