Capital One will literally destroy your life. THEY WONT WORK WITH YOU! I worked very hard to build my credit in preparation to buy a small house so my wife and could start a family. I took out a simple 3k limit credit card to build my credit even more when she was pregnant. I knew my credit would take a hit but dropped 60points for a 3k card i didnt even need!! They refuse to acknowledge this is a ridicules hard pull and are fully capable of fixing it (i confirmed). Now, my wife is 20 weeks, and im sgruggling to get a morgage cause of that pull. I went to them for help and after a bunch of calls they will refuse to even try. They ruined all i worked hard for.