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Capital One Raised APR's over 4% for no reason Navigation: Main page Author: Michael My wife & I have a Capital One Visa and a Mastercard. We have had these cards for a long time. I make our payments online and am NEVER late. I also pay at least 3 to 4 times the minimal payment amount. We just received notification that Capital One is raising our APR by over 4%. This is absolutely ridiculous. Because of the current state of our economy, I could maybe understand a raise of 1%. It seems to me that they are trying to make up their losses by ripping off the people that pay their bills on time! I was told that if I didn't agree with the change, they would simply cancel my cards!!! I also believe that because of the changes in laws to control credit card companies that are supposed to be coming, they are getting their gouging in early. I doubt that the new laws will be retro-active and they won't have to reduce the APR.
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