This will be short and sweet.

When Capital One says "No Hassle', don't believe a word of it. They are one of several companies who have outsourced their customer service somewhere in Asia (meaning you can't communicate with the representatives). Getting anything done or any queston answered is a HUGE hassle. All the English speaking people are in the fraud department, and even they are challenged to get it right.

Don't be fooled, those bumfuddeling Vikings ARE Capital One.