<prompt> Human: Is there some sort of actual explanation for this?I realize experiences vary from person to person, but the internet does seem to be littered with Crap One. I see them say things like theyre stingy with credit limits, bad with APR, etc.Ive had my CO for 6 years now. It has a 7.15 APR and Ive received a yearly auto CLI of 1k. This year I needed a bit more buffer to avoid a temporarily high balance, so I requested a CLI through the web site and was given 3k immediately. The only hard pull they ever did was my initial card request. Anytime I have a question, their live chat is fast and easy.I cant be the only one with a positive story about Capital One.  <response>: People with problems are more likely to complain vocally. Same story with pretty much every other company. 