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Capitol One Credit Cards :>(
Posted by on 09/02/2003
Probably the most notorious company for attracting users to obtain cards is this company. Policies are constantly changing, consistantly different information from customer service, and out and out fabrication.
Also they send cards to young adults, who may or may not have the money to pay, or do not understand the credit industry.
Having closed an account I viewed my report only to find that they had listed the account as a charged off (I am holding the canceled check in my hand)and listed me as not having paid for several months.
Also letter from company states account is paid in full however, some customer service representative took it upon them selves to list otherwise.
If you use this company make sure to check your credit report. I intend to sue for false information.
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Capital One Conservative Credit Limit Increases and Non-Existent Credit Line Increases.
Posted by Discoverhater on 04/28/2006
MCLEAN, VIRGINIA -- I called Capital One to obtain a credit line increase on my Visa Platinum Card and Capital One would not grant the request. A friend of mine had attempted to get a credit line increase on his Capital One Visa because he travels for business and Capital One denied the request. He informed me so I called Capital One to see if they would increase my limit and they did not. I asked to speak with a manager to find out why Capital One could not increase my limit in consideration for my 10 years of patronage, on time payments and the fact I have not had a credit limit increase within the last 5 years.
Here is what Capital One said.
"You have an excellent history with us and have always paid on time. The decision is not based on information contained in your credit report. Capital One is very conservative with their credit limits and credit limit increases and Capital One has placed a freeze on any credit limit increases. When Capital One lifts the freeze, you will definitely be considered for a limit increase and they will send you a letter in the mail if they increase your limit. I'm sorry I can't help you at this time with a credit limit increase but I can offer you a 0% balance transfer offer." I declined the balance transfer. The purpose of the call was to get my limit increased and see what Capital One would tell me. I have read posts elsewhere where Capital One accountholders have been denied credit line increases even though they have perfect credit. I wanted to find the underlying cause of Capital One's credit limit policy so I can inform everyone as to why Capital One will/does not increase credit limits.
Any other Capital One accountholders had this same experience and/or been told what Capital One told me?
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Posted by KenPC on 2006-04-28:
This sounds like a *very* reasonable response from Capital One.
Posted by Hugh_Jorgen on 2006-04-28:
My guess is they are familiar with your "work" on this forum and they just want you to pay off what you already owe and just fade away before you come up with some real or imagined slight they have done and you become "CapitalOneHater".
Posted by Anonymous on 2006-04-28:
http://phx.corporate-ir.net/phoenix.zhtml?c=70667&p=irol-presentations Investor type info but it does reflect the direction capital one is trying to go.
Posted by yoke on 2006-04-28:
To bad more credit card companies don't follow suit with CapitalOne. They sound like they are trying to protect the consumer from going in debt.
Posted by JEANNIE_R on 2006-04-30:
The method for getting a credit increase is thus:
Add your teenage son to the account (so he can make travel reservations to cross country without Mom). Expect the pre-arranged maximum limits on credit to fail misserably. Wait for the un-anticipated fallout... and Poof! The credit limit will actually climb to the ceiling, based upon every over-the-limit amount your child presents for payment. That's what I call "service with a smile". Then, do your best to get said child's name back off of the card, to not avail. Close the account, or prepare your next budget with these non-constraints in mind.
Posted by myangels7 on 2006-07-10:
Dear Discoverhater,
I have been with Capital One for 7 yrs. After waiting 4 yrs. I asked for an increase in credit limit and received a $100.00 increase. Then 3 yrs. later I asked for a $500.00 increase and was given only $100.00 increase. On my second request I received an email reply that Capital One will not give increases on request. However the following month I received it. I found out by opening my statement. I never heard anything before discovering it in my statement. It was Not the amount I requested though. I am very disheartened by their 'penny and nickel'raises.
I need some reassurance that they have more trust in me than that, especially since I pay my balance in full every month. My initial credit limit was $350.00 and is now only $550.00. I do not ever want a credit card with a $5000.00 credit limit because I would just spend too much. I only wanted a credit card with a $1000.00 limit. I am almost afraid to apply to another credit card company in fear they will offer a credit limit that I can't afford to pay off each month. I hate the idea of paying them interest. Now I hear Capital One does not reveal our credit limits to the credit reporting agencies, only our balance due which makes their customers look like a bunch of bums. I hope that is not the case. I am writing the CEO a letter asking him to expain himself. Sounds 'Enronish' to me. If it is true I am looking for another credit card company to do my devoted business with.
Posted by jmayer_metoo on 2006-12-05:
Wow, the exact thing just happened to me.
10 years with them, no lates, almost max it and pay off my total balance every month for 2 years now.
My current card limit is about 3 days pay. wanted it about 4x larger to handle more purchases since I like their no-hassle point ratios.
was told no.
couldn't tell me why, said they'd send me a letter.
the manager told me they didn't update credit score or salary information, so I should apply for another capitalone card if I wanted a higher limit.
Since they were using my 10 year old credit score and my income level from then.. when I was in college.
I was pretty dumbfounded.
Posted by RobPA1978 on 2007-03-15:
I agree. Capital One sucks bad when it comes to credit increases. Capital One actually sent me a mailer telling me that I could get a credit line increase of $250 every three months. Bull. It's been six months since I got the card and I haven't had an increase yet. Still stuck at the meager $1000 line they gave me to begin with. On the other hand...Orchard Bank (a division of HSBC) gave me a card three years ago when I had no credit. They started me at $350 and now I've had so many credit line increases, I'm up to $1300 already! Juniper (a division of Barclays Bank Delaware) gave me a card with a $5000 line recently. HSBC gave me ANOTHER credit card with a $5000 credit line. So, there are better cards out there than Cap One. Check out HSBC--they are really great for people with bad credit, too!
Posted by catdad on 2007-05-20:
You need to understand CapitalOne's business model...which basically involves bilking customers with every conceivable fee it can assess. CapitalOne prefers to not give credit line increases beyond a certain point, but instead to give you another low-limit ($500) CapitalOne card instead. Here's why: If you fall behind for one month on two cards, they can assess you two late payment fees of $39 for each card rather than just one card. Ditto on over-the-limit fees...go over on both and you get zapped twice. CapitalOne must have destroyed an entire forest to get the paper needed to send all those offers for additional cards for me to accept...I threw them all away.
Posted by scot1759 on 2007-06-30:
Exactly same thing happened to me. After 4 years I ask for an increase and was denied with a perfect pay history and a 761 credit score. I told them to go to hell paid the credit off over the phone at that time and closed the account. If thats all they have in their wallet they will be out of business soon.
Posted by cooldude859 on 2007-11-26:
I have only been a customer for six months but will get out as soon as I pay off the balance. They promised to review and extend my credit limit of $250 every three months providing I make payments on time. I did that and got a credit increase of $250 after three months. Three more months went by and I saw nothing. I started sending messages using the account messaging system and that's when I realized the boneheads they have working in customer service. No one replies using their name. I reminded them that I was not requesting a credit limit, I was wondering why Capital One didn't live up to their promise. They got stuck on the "request" for credit and I got a letter in the mail denying my "request" because of the fact that credit requests are not possible. Even though it is possible to "request" an increase, it isn't possible to get one? There is definitely something fishy about this company. If you ask me the whole "credit" scheme should come crumbling down because it's a shady practice to rip off consumers. It is no wonder so many people have bad or no credit. Honest people.
Posted by wayko on 2010-08-18:
I just recently bought a house and my credit is very good I asked for an credit limit increase and it didn't even take a second for them to tell me no
I told them its been years since they gave me a limit increase and I always have paid my credit cards in full I just don't understand. Think its time to go with someone else
Posted by TRAVIS on 2013-02-20:
Posted by Advice on 2013-05-04:
Ok, I hope someone gets use out of this. I worked in the Financial Sector for many years, and I know credit like the back of my hand.Now, catdad explained part of it perfectly, so I won't dive into the part about how they profit off of multiple cards in annuals fees, late fees, and every other fee you can think of that doubles when you have two cards. Capital One is a sub-prime lender, though, with some prime products-not good prime products, either. They want people people who earn around 40-50K, people who rent, but in their home at least a couple years or more, and employed, not self-employed, or even student, but employed.Self-employed, or students can and do get approved, but with lower limits. If, your credit score is between 580-679, and you put you make 80K a year, you will get around $300-$1000, initially, with a possible increase to around $500-$1500 after 6 months, or so, and it will stay there till you turn blue. Now, if you put you only make 45K, I can almost promise you, you will receive a higher initial limit-$1,000 to $3,00- than if you put you make anything more than 49K. The numbers might be a little off, by not by far. They want the people who are going to carry balances, and pay 20% interest. They want the people who just got out of BK, and are dying just to be approved, and then they swoop in like the saviours, and literally make you feel like they did you a favor, almost guaranteeing customer loyalty for a few years, until your credit is completely fixed, which by then, you are no longer their type of customer, and you will hopefully move on to better cards, and that's that. They are the biggest POS on the planet, but if you can be smart, and use them to your benefit, in no time at all, you can call them and close your account, and then when it's all said and done, say FU and hang up! Seriously, no matter how well mannered you are, the occasional f-bomb feels liberating! Use their card for a couple years. DO not apply for anything. NO INQUIRIES. Then,around 25 months later, or around 48 months later for BK's (from discharge date),make sure you have paid off your balance in full, so the statement reports a 0 balance, but shows you actually had utilization for at least a couple years, then apply for a chase credit card, preferably the sw airlines, since it's easier to get, then, if you get approved, great, use the card, stop using the cap one, and start building history with a real bank that rewards you properly for good behavior. If, you do not get approved, call the reconsideration line, Chase has one of the best reconsideration lines, and they will do a holistic review, rather than just look at a score and say no. Be honest, and tell them why you fell behind, as long it's true, and a good reason, like you lost everything in the crash, they are human, they understand things can go wrong. Answer the rest of the questions, don't fluf your income, since lower, even if you make 100K a year, is more credible, if you have bad/average credit and just wait for their response and cross your fingers. If, they say no, move on to Discover, Barclays (had very high rate interest, but great rewards,limits, and no annual fee, practically a cap one alternative without all the BS), and also try opening a Bill me later account through your paypal account. Its a great credit line, which is easy to get, gives you a no interest option, as long as you pay off the balance in full in 6 months, and doesn't pull a hard inquiry everytime you need more. All of you know, or many know, inquiries reduces your credit score, but in the credit card world, it is literally the #1 indicator of risk tied with your total utilization percentage (how much of your credit you are using, compared to how much credit you have). Inquires drop off after 2 years. This is why I advised to not apply for anything for at least 2 years. If, you want to give yourself the best chance of getting approved, getting a good limit, future limit increases, and a low rate, you need to be a little patient. It's pointless to keep applying when you keep getting declined or mediocre products, so just be a little patient and apply holding all the cards! Oh, and one more thing. Almost proof cap one likes to double dip in fees. If you get approved, wait a day or two, and apply for a second capital one card. They will use the same credit report/score, since they cannot pull again with 30 days, 90%, you will get approved for a second card, but more than likely with a lower limit, and definitely not more than the original card. I hope this helps someone.
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Capital One is Corrupt! Avoid it. Mailing Address for CEO
Posted by Ann O Nymous on 06/06/2005
Basically, I think the letter below covers the lowlights of my four year experience with this company. Three years building up good credit, and one year after I closed the account in disgust I'm still waiting for them to report the good credit I built up with them. If you are being charged suspicious late fees, they are fraudulent; they do this to a lot of people. When you decide to close your account, the games begin. If you intend to pay off the balance, send a certified letter return receipt requested in with the right amount on the day they will receive it (they play games with the interest). Send it in plenty of time. Below, you can find the mailing address for their CEO. You can find the mailing address for the Attorney General of their home state, Virginia, on line. I'd say that sending copies of your letters to them to her sounds like a good idea.
May __, 2005
Mr. Richard D. Fairbank
President & CEO
Capital One Financial Corp
1680 Capital One Drive
McLean, VA 22102
Dear Mr. Fairbank:
Capital One is holding my good credit hostage through lies and subterfuge. There is currently a housing crisis where I live and the loss of the asset of the good credit I built up with you is serious. Multiple attempts to get you to report my use of credit had no effect. Your employees claimed twice that you would at least sent me a letter confirming my account history and use of credit but they never did. This is not an accident. I've found many accounts online of similar behavior by your company intended to prevent your customers from leaving you and getting credit elsewhere.
You also charged me for late fees even though I mailed my checks in time(and there are plenty of complaints about you doing this online) You preventing me from closing my account by subterfuge (and there are plenty of complaints about you doing stuff like this online.) Dealing with Capital One has wasted incredible amounts of my time. You've for sure lost a customer for life and I'm not the only one.
My good credit reported accurately under BOTH my organization's name (and employer ID number) and my own name and social security number. That report should say that I paid my bill on time for three years, except for one thirty days late payment, and that the account is it now closed and paid in full. This should all be reported to the three main credit reporting agencies under both names and as well as Dunn & Bradstreet for the organization. You made me personally guarantee this account and if I assume the liability, I deserve the credit too.
I want $1,000 for the loss up to now of my good credit history, stress, much wasted time and punitive damages. This includes roughly a hundred dollars for improperly charged late fees. This amount is symbolic and in no way reflects the true losses involved. I will ask for more later if I have to file a complaint or lawsuit.
If my credit has not been accurately reported within 30 (thirty) days from the receipt of this letter, and I have not received a check for this amount, I will file a complaint with the Attorney General of Virginia.
(this customer)
cc: The Honorable Judith Williams Jagdmann, Attorney General of Virginia
The Honorable Eliot Spitzer, Attorney General of New York
[Although I don't live in New York, this Attorney General is tough on corporate criminals and I want him to know about Capital One]
Good luck to anyone in dealing with this company. Based on my life experience including this episode, It might be best to get a card from your own bank or a large reputable bank in your area.
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Posted by holycrap on 2005-12-06:
do not get a Capitol one credit card, you will regret it. warned you.
Posted by Ann O Nymous on 2006-06-07:
I had a lot of people want to know what happened with this.
The gist of it is, Capital One refused to pay me for my annoyance or refund the fraudulent late charges. I still believe, however, that the best way to communicate with them is by snail mail letter to the CEO, preferably certified, and with copies to regulatory agencies.
Here are additional details: I was told that Capital One reports their small business accounts to the Equifax small business exchange, although I have not checked to see if this is true. I successfully closed and kept my account closed. I got copies of all my past statements after an extraordinary effort.
As you may know, Capital One is headquartered in Virginia.
After sitting on it for some time, then Attorney General of Virginia Judith Williams Jagdmann claimed that she didn't have juridiction over this matter (I find this highly unlikely; there were ample causes of action) and referred it to another state agency. The Attorney General of Virginia is elected and the CEO of Capital One has made some rich political contributions in his time. This whole thing smells. It makes it look like Ms. Jagdmann let a massive consumer fraud take place under her nose. Not good.
The Attorney General of Virginia referred the matter to the Bureau of Financial Institutions of the State Corporation Commission of Virginia. They sat on it for a while. Then Locke H. Trigg, Regulatory Compliance Analyst responded almost as if he was acting on behalf of Capital One telling me that everything was fine and there was nothing to be done. This smells. People will think they cannot trust businesses operating out of Virginia because their whole regulatory apparatus appears to have been bought and sold. AOL is headquartered there and has also pulled some stunts.
By doing research and by people contacting me, I discovered that there are an extraordinary number of people are being ripped off by Capital One. One thing they do is treat people with past credit problems particularly badly, taking advantage of their shame. They may also take particular advantage of people who are in a financial bind. I believe that they do this on purpose. I believe that they have done this to thousands of people.
Capital One has been the subject of several class action lawsuits. Two were by Attorney's General of states. Capital One has so far appeared to be able to defeat most of the class action suits against them, reminding us that the courts were made by and for rich white men.
Capital One was selected for the Rogue's Gallery of ConsumerAffairs.com. They are the subject of numerous complaints at consumer websites.
These are some individual complaints:
These are some grievance sites about the Capital One:
I tried to get the media to cover this story but they won't touch it. I believe that this is because Capital One is a heavy advertiser. I tried Lou Dobbs on CNN, all the network news departments, Sixty Minutes, Primetime, Nightline, and the National Enquirer, among others. No luck.
You can file complaints about your experiences at consumer websites like these:
There are addresses of some regulatory agencies to whom you could cc your letter to Capital One's CEO. I would not expect a lot of action from these agencies, but I believe that a cc to a law enforcement agency heightens concentration.
The Honorable Bob McDonnell
Attorney General
State of Virginia
Office of the Attorney General
900 E. Main Street
Richmond, VA 23219
Commissioner of Financial Institutions
State Corporation Commission
1300 East Main Street
Suite 800
P.O. Box 640
Richmond, Virginia 23219
Good luck. You deserve to be treated better than people are treated by Capital One, even if you do not have perfect record. No matter what your record looks like theirs is much worse. I wish you better times in your financial affairs. May Capital One be exposed and brought down by their own evil.
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Poor Service
Posted by Tatonka on 03/22/2006
OMAHA, NORTH CAROLINA -- Capital One refuses to increase the limit on my Miles One card. I have had it for 3 years, have a perfect paying record and a perfect credit rating as well. I have spoken to several levels of customer service (or so I have been told) and the results have been frustrating. They told me that accounts are reviewed periodically for increases but I have not heard anything in 3 years. I have to use multiple credit cards instead of using just the one to increase my free flight miles. Capital One advertises "No Hassle" but try to deal with their customer service - it is AWFUL. It is not the service people's fault as they are just mirroring what upper management has told them. Not allow ing a credit increase on request when the individual has a perfect rating over 3 years is a disgrace (although it is their choice).
The bottom line was that I was told by Customer Service "tough luck" and "good luck". There was absolutely no way that they could help me (although they agreed with me) because they were bound by management policies.
I was told that my only alternative was to go to another credit card company. I have more to write about Capital One's poor policies but I will spend the rest of my time looking for an alternate credit card company.
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Posted by Anonymous on 2006-03-23:
You should thank them for not giving you more credit; you should get away from the TRAP of credit and remember, "What's in Your Wallet"
Posted by Hugh_Jorgen on 2006-03-23:
It might be your "multiple cards" that hurt your chances. They don' want to extend you more credit if you have a wallet full of other cards and don't have the income to cover them all if you max them out.
Posted by Slimjim on 2006-03-23:
Hugh's right, your debt to income ratio may not support the line increase.
Posted by beanbagbritches on 2006-05-13:
Capital One is horrible, just horrible! Throw them away & find someone better!
Posted by Bohizzle on 2006-09-25:
I have never had a problem dealing with Capital One when it comes to credit cards except for that one time when I got behind paying on my credit card bill * blushes * anyways that was my fault. Since then I have matured and realized the importance and benefits of paying not just Capital One but all my bills on time. I have one card and my wife has two from Capital One and we have zero problems. I personally have been a customer for about 8 years now. Your right ... they are stingy with their credit increases but who cares my sugar mama has two very nice credit limits on her two cards so I can just use hers when I want :-)
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Treated like a Liar and a Crook
Posted by Bob From Texas on 01/15/2011
I have been a Capital One customer for years. I have always paid my credit card bill on time and normally a payment well beyond the required payment. On January 7th 2011 I was contacted by the Fraud Division of the bank. They were inquiring about 2 large charges that I had made. I confirmed that I had made the charges, so everything was business as usual. I later received an email confirming my conversation with the Fraud Department. On January 14th I attempted to charge $135 worth of rodeo tickets by telephone but my Capital One card was declined. I contacted Capital One and was transferred to the Fraud Division. They informed me they had placed a hold on my card due to suspicious charges on my card beginning January 12th and continuing almost to the time I contacted them. The charges were for a rental car in Arkansas,(I live in Texas) and then on the same day several charges in the United Kingdom. This is what set off the bells in the Fraud Department and a hold was placed on my card. I informed them I did not make any of the charges, that I had been scammed, (them too) and that I fully understood why a hold had been placed on my card and happy they had. I was informed my current cards would be canceled and new ones re-issued, and since I was such a good customer the cards would be sent out in 2 days instead of the normal 5-7 days, and I would be given an extra 1000 "Bonus Points" for my trouble. I was satisfied with the whole experience until the Fraud representative told me my account showed to be out for collections. He could not explain why as I had never been late with a payment, and in fact it showed they had received a payment of $2000 the day before, which is true.
Here is where things really go down hill fast, and makes me think that someone at Capital One is the actual scam artist. I'm transferred to the Collection Department to ascertain why my account is in collections. I'm informed by them that I, (yes, I) have placed a "Cease and Desist" order on the bank not to contact me, so my account automatically went to collections. I informed them I never did that, and why should I, since my account was, and always has been in good standing. The representative had no answers for me, but would have to once again transfer me to another department to have the order removed. This time I'm transferred to a gal who is the type you always read about as the service representative from Hell, a customers worst nightmare, someone that would be better suited in life working with dead people in a morgue so as not to torture the living. First she comes off with an attitude that I'm some kind of deadbeat as I put a "Cease and Desist" order on my account which I had not. Then she wants to know why I had placed such an order, which I had not. Then she refuses to tell me when and who placed such an order because of "Security Reasons". Then she refuses to give me the name of her supervisor for "Security Reasons", and also refuses to transfer me to that person, "as they won't be able to help you anyway". It was obvious she was trying to control me and the conversation, but having been a police officer for over 30 years in a large city that wasn't going to happen, so she finally let it slip that the order was placed on my account August 30, 2010, but refused to say who placed it, only saying it may have been placed in error. By this time I was worn out, having been on the phone for 1 1/2 hours. I finally convinced her to remove the order, but then she had to add insult to injury and told me I would have to speak with Customer Service to have my new cards re-issued. I told her of my conversation with the Fraud Dept. and they said they would be sent out in the next 2 days. She informed me (like she was doing me a favor) that she would authorize new cards to be sent out instead of customer service but my waiting time would be 5-7 days, not two, take it or leave it.
If a "Cease and Desist" order was placed on my account why was I contacted twice by the Fraud Division and also sent emails by them, even though I hadn't placed the order in the first place? Why have I been able to use my card since August 30, 2010 if my account had been sent to collections at that time? Why was I refused the name of the person who placed the cease and desist order, or even the date when it was placed, even though I am the only account holder? Why was I refused to speak with a supervisor, or even their first name? Is there someone within Capital One that placed the cease and desist order setting be up for future scams? If anyone out there can answer any of these questions, I'll be glad to listen. Thanks.
Confused in Texas
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Capital One Tries To Be Sneaky - Be Wary Of A Call From Your Credit Card Company Regarding Overdraft Fees
Posted by Trp2hevn on 02/21/2010
So I know that the new "CARD Act" goes into effect tomorrow. I got a call from Capital One a couple of weeks ago and now I know why. Part of the new credit card rules:
Consenting to over the limit fees -- The CARD Act prohibits over the limit fees unless consumers consent. In the past, a credit card company would allow you to exceed your credit limit, but then charge you a fee for doing so. Now they have to get your consent to do that, and if they haven't gotten your consent, they must decline the transactions that would put you over the limit. Many consumers don't understand how this works, and are ending up inadvertently "consenting" to being charged an over the limit fee.
Well, when they called me a couple of weeks ago, the girl asks if I would like to participate in a special that would only charge me $29 over limit fee instead of the current (meaning before the new rules kick in) $39 over limit fee. I acted like I didn't know what she was talking about and let her go on and on explaining the whole thing, and then politely told her "No, I would rather my card be declined".
Just a note for everyone... be careful because the credit card banks are going to get a little more creative on ways to fee us to death now. Read anything and everything they send to you.
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Posted by Anonymous on 2010-02-21:
Great advice, trp!
Posted by tnchuck100 on 2010-02-21:
Absolutely right!
Posted by Soaring Consumer on 2010-02-21:
One of my relatives uses Capital One. He told me that when he attempted to check his balance through their automated phone system, it would automatically connect him to a representative whom would not let him do anything unless he were to listen to their "speech" about this and give consent to it. Obviously nobody is in the mood to waste their time with this bull so he only uses their online service for anything now, he would have closed the card by now if it wasn't for the low interest rate. So from what I've seen, they are literally refusing to provide service over the phone to cardholders unless they agree to this policy, so they can get around the regulation. What sleazebags.
Voted helpful.
Posted by Ponie on 2010-02-21:
Had credit card companies been declining over limit charges in the past, we wouldn't have had all the complaints about 'fees.' Yes, we definitely need our government to protect us from ourselves. None of us know when we're reaching the limit on credit cards, if we have money in a bank account to write checks, use debit cards, withdraw from ATM machines, etc. I've been waiting for someone to hold my hand through life for a long time.
Good informative though because I doubt very many people pay attention to new regs until they get hit--and then complain.
Posted by goduke on 2010-02-22:
I'm not really sure I see this as being sneaky. The law says they have to get your agreement. So they reach out and try to get your agreement. Where's the deception?
Posted by Anonymous on 2010-02-22:
It does seem a little sneaky to me. Ya know they pose it as a special offer when in reality they are merely trying to conform to the law. Just be honest and straight forward with the customer. Is that asking too much these days?
It's unfortunate that in today's world credit cards are a necessary evil and make no mistake about it they are pure evil. One good rule of thumb when dealing with the dark side is after you get your card never say 'Yes' to or accept any of their subsequent offers of insurance, protection, overlimit fees, sweet interest deals, beanie babies of the month or anything else they offer. It will NEVER be in your best interest to do so.
Great post trp2hevn!
Posted by goduke on 2010-02-22:
Technially, Stew, you think the credit card companies are being sneaky just by being in business, so that any action they take in furtherance of being in business would, by definition, be sneaky.
Posted by trp2hevn on 2010-02-22:
The reason I thought it was sneaky was because the girl didn't say something like... "Come Feb. 22 when credit card laws change we have to get your permission to allow over limit fees, would you like your purchases to be honored if you are close to your limit?"
At the time, I didn't know about this part of the CARD Act. In fact, I am so far from my limit that this is a non-issue for me. Like Stew said, it's the way they asked. I was hoping to help someone else out to understand what is going on if they get a similar call.
Posted by laklisa on 2010-03-18:
Ponie, I am not sure if you are being sarcastic or not with your comment but I know what my balance is in my checking account and the cards I use. I am very conscious about that sort of thing.
Posted by Ponie on 2010-03-19:
Yes, laklisa, I was being very sarcastic with my response. I, like you, are very aware of how much I can spend, an approximate amount on my credit cards even before I get my monthly statements, etc. But there are very many (mostly the complainers) who charge, withdraw, etc., like its a bottomless pit so evidently they need a nanny government to lead them by the hand through life.
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Capital One MasterCard: Use It or Lose It, Evidently
Posted by BgReviews on 01/10/2009
I used to think Capital One was great as others have said. I've had cards with them for years. I had good credit, always paid on time, they continually raised my credit. The current card was up around $6,000 credit. Then sometime later they sent me a letter saying they were lowering it to $4,000 because I didn't use my card often enough to suit their fancy. Then later after that, they sent another letter saying since I hadn't used the card lately, they suspended my card and were going to close it in 60 days.
I think that is total insanity. Instead of being GLAD to have good customers, they PENALIZE you for it. What is their insane purpose for this? Does it "cost them" for customers to merely "hold" their card in their wallets but not use them that often?
I don't need to use ANY of my credit cards that often for several reasons, the main one being my Visa Debit card works for me most of the time as I would rather pay "CASH"; and/or when shopping online I use PAYPAL (which is also like paying CASH).
Evidently Capital One would rather its customers be in BONDAGE to them via credit card debt.
I am cutting up my card and sending it back to them and telling them to close it "AT CUSTOMER'S REQUEST" -- and NOT at THEIR request. They are now total JERKS in my opinion.
PS: I forgot to mention that Capital One was the WORST at sending incessant repeated JUNK MAIL ("transfer checks" etc.) in the mail. I hated them for that, too, as I had to constantly be shredding those dang things in the shredder. What a WASTE of my time, their employee labor, and paper Capital One creates!
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Posted by madconsumer on 2009-01-10:
this happens to our corperate cards as well. seem they expect people to use em.
Posted by bgReviews on 2009-01-10:
Thanks madconsumer for that info. I wondered what the deal was about this, because I've got other cc's I don't use that often either, and they aren't complaining that they will suspend/close the accounts because of it.
Me thinks Capital One is a very "poor sport."
What irks me is I have an excellent FICA score, and I wonder if this insane "suspension" of this one card is going to affect that. That is what REALLY irks me, as I said.
Anyhoo, thanks again for the comment!
Posted by TGT101 on 2009-01-10:
Most credit cards close in X amount of days of inactivity. This is to protect your account.
Posted by Justusryan on 2009-01-10:
Well, in their defense though, you are "not" a good customer to them. If you never use the card, or carry a balance with interest, you do not benefit them in any way. So obviously they won't lose much sleep over your "business". Having said that, I think using only the money you have to spend is a great thing, and sounds like your on a good, solid, financial track. This is one business your better off without.
Posted by Anonymous on 2009-01-10:
Oh, the drama...credit card BONDAGE! Anyone who doesn't defict spend has nothing to worry about. And it takes money to for a bank to maintain an account. That open account is a constant fraud liability to them if it's used or not. As far as the checks go, it just takes a phone call or letter and the bank stops them.
Posted by bgReviews on 2009-01-10:
In response to the last three posts by TGT101, Justusryan, and Trixta, I guess you guys did not READ my post in full. I clearly said I have a handful of OTHER credit cards from OTHER companies whose cards I also do not use hardly ever, and THOSE COMPANIES do NOT have a problem with that!
An open account is NOT a "fraud liability" unless you are a careless oaf.
And yes I KNOW all you have to do is call or write the junk-mailer/Capital One. The point is, they should NOT SEND all that junk mail in the first place. What they are hoping is to entice suckers to use those incessant checks they send. I can't believe you people are sticking up for the banksters. Haven't you heard the news the past few months? Sheesh.
Posted by Justusryan on 2009-01-10:
I read the post and I understand you have "OTHER cards from OTHER companies" but maybe you didn't read my post. Capital One is "not other companies" and, again, if you're not using their card or carrying a balance where they can make money off the interest, then you are not a customer they want. I commended you for not using it, and you have not used it in a while, so why are you mad?
Posted by bgReviews on 2009-01-29:
I've had Capital One for YEARS. So why all the sudden? is what doesn't make sense to me. What "bugs" me is why can't they just let people keep their cards and use them whenever, like the other cards I have and do not use hardly ever. I suppose C1 is "going broke" like all the other banks? (What a joke the bankster scam has been all around).
The ONLY thing I "liked" about Capital One is their website where you pay your bill -- whenever I did use the card -- is a "light weight" website, and not cluttered nor a "weighed down" website like so many of the others (such as BOA's website is horrible; FNBO's website is horrible, WaMu is so-so, etc. etc.). FWIW, I also **rate** ALL companies, no matter what kind they are, by their websites and how fast/easy/cluttered they are and whether they are sluggish loading in, etc.
Posted by aumsville on 2009-04-18:
Credit card companies give you a card so that you actually USE IT, that is their purpose, get you into debt, if you do not do it then they do not want you as a client
Posted by scorpio27 on 2009-05-19:
I just received the same notice in the mail today that my account was to be suspended and will be closed in 60 days. I haven't used the card in a little over a year, but it was my longest standing account. (10 years) I am furious that this will most likely effect my credit rating, and for what? Not abusing my credit cards...Does anyone know if it will be better for me to close the card myself, or to let them close it for inactivity? Any help would be greatly appreciated.
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Before You Get Capital One Credit Cart Think Twice!
Posted by Vedat on 12/14/2007
Before you get capital one credit cart think twice! Instead of building credit it can ruin your credit history. Worst customer service I have ever seen, when you make Payment over the phone you get charged for it, if you make Payment on branch it takes a week to be posted on your account. If you do online payment it will take a week to be posted and with any reason if doesn't go through you will be getting late fee charge and also they will report to 3 bureau credit center right away.
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Posted by Slimjim on 2007-12-14:
Some of those items are pretty much SOP with any card, but the posting durations seem a bit out of line.
Posted by tnchuck100 on 2007-12-14:
Before you get ANY credit card...think twice. Forget paying by phone or the company's web site. Most banks have the ability to pay bills on their website. This is much more reliable. Don't wait until the last day and expect to avoid a late fee.
Posted by ejack053824 on 2007-12-14:
I have a Capital One Platinum card and pay it online every month without incident. I'm confused as to why you're having difficulty with this company.
Far as ruining your credit...you don't have to worry about ruining it as long as you make timely payments.
Posted by 2inform on 2007-12-14:
I haven't had any problems paying online either. However, they wouldn't waive the annual fee, so I closed the account.
Posted by ejack053824 on 2007-12-14:
I don't blame you one bit there 2inform for cancelling your account. I won't accept anuual fees either.
Posted by Anonymous on 2007-12-14:
The CC we have does charge a yearly fee, but we more than make it up with the frequent flyer miles we earn. So it depends on your situation, and how and why you use it.
Posted by Ben There on 2007-12-14:
"Before you get capital one credit cart think twice!"... but what about all the Vikings that will attack me if I don't have a Capital One credit card!
Posted by jktshff1 on 2007-12-15:
think twice before getting ANY credit card.
Posted by *Brenda* on 2007-12-15:
My husband has a capital one credit card which I pay online. If you pay before a certain time your payment posts the SAME day.
Posted by BTOrtho on 2007-12-21:
Capital One is definitely needs to improve their customer service. I've read most of the comments about capital one and I can relate to almost all of the negative feedbacks. Don't apply for a Capitol One. I have a credit rating of 750+ and I bought into their commercial and applied for a card. It was absolutely the worst service I've ever encounter from any credit card company-bar none.
Posted by imauu2 on 2008-01-05:
I do not recommend getting a Capital One credit card. Capital One Bank's has structured their credit card business to extract excessive finance charges and late fees from their customers. This strategy should be exposed, to protect customers. Here is my experience:
1. Capital One restricted me to an unbelievably low credit limit of $2,000 even though my credit history has always been flawless. I realize that this is their prerogative, but no other credit company I have ever dealt with discounts prior credit history. This strategy makes it easy for customers to exceed the credit limit.
2. Capital One's website does not accept early payments. At Capital One, early payments can only be made over the phone, for which a $10 fee is assessed. When I made an early payment over the phone to avoid exceeding my credit limit, their computer system flagged my early payment as "suspicious activity" even though my payment was immediately and successfully drafted from my bank. Even worse: my credit account was not credited with this payment until one week later after I called and complained to four people in Customer Service. Holding my money because I paid early is a strategy that should be against the law.
3. Capital One's notified me that electronic funds transfer from my checking account would begin on December 4th . On my statement that was due on December 4th was printed the following information:
"Capital One's automatic payment service is in effect for your account…. As requested, the New Balance shown on this statement will be debited directly from your designated bank account on your Payment Due Date. You do not need to send a separate payment…."
My bank account was NOT automatically debited on December 4th, and finance charges of $11.88 as well as a late payment fee of $39 were imposed. I was $70 away from reaching my credit limit. I had to call a customer service representative to have the problem corrected.
4. After just the ONE late payment above (which was THEIR fault), Capital One's website threatened me (in bold, red text) that the national credit bureaus would be notified of my delinquent activity if it continued. I can only imagine how much trouble it would be to have to correct my credit report if it had been wrongfully tarnished.
5. Capital One inquires against your credit report every month, looking for any delinquent activity on any account you have. They have the option of raising your interest rates if they find anything they deem unacceptable to them.
I hope this helps someone!
Posted by Nformed on 2008-01-06:
I've never had any problems with payments posting to my account. You can make payments in advance on the website. I've done it. You can always mail a check. You were trying to advoid an over limit fee. If you go over the limit at anytime you get a fee. Thats all credit cards. It's like a checking account. If you dont have the money available dont use the card.
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Misrepresentation of Credit Limit
Posted by Smckay on 11/20/2009
When I applied for this card, Capital One put a credit limit of $2,000 on the account. I told them that this was not high enough and the card would not suit my needs because when I travel, a hotel bill could total well in excess of $2,000. The representative told me that as long as the balance was paid in full by the end of the month, there would be no problem. He further explained that the credit limit meant that I was not allowed to carry a balance over $2,000 into the next billing cycle.
That information was incorrect. Luckily, I was in the U.S. when I found this out and I did have other credit cards to fall back on. Capital One declined all chargaes as soon as the current balance reached $2,000.
I applied for and received this card because I was intersted in the fact that there were no bank fees (money transfer fees to another currency) when travelling abroad. This card requires Excellent credit.
I kept the card until I learned that they misinformed me; I cancelled immediately.
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Posted by Anonymous on 2009-11-20:
" I was not allowed to carry a balance over $2,000 into the next billing cycle. "
Well, yeah, you'd be over your balance and that incurs fees.
"Capital One declined all chargaes as soon as the current balance reached $2,000. "
Um and? Your limit is $2,000. I don't see how this would be a bad thing of a card declining when you've already met your max amount.
I don't see where there was any misinformation...
Posted by JR in Orlando on 2009-11-20:
I agree Bearkatkitten. The op raised concerns about how he wanted to use the card for business.
I believe the company representative was pointing out that the op could charge an unlimited amount of money during the month, as long as he in effect made intermediate payments during the month: 1st week pay none, charge $1,000; 2nd week pay $800, charge $1,500; 3rd week, pay $600, charge $200; 4th week - pay $1,200, charge $1,400. During the month he charged $4,100 dollars, but the ending balance that was carried over into the next billing cycle would be $1,500.
If the op did not make intermediate payments how did he expect not to carry over a larger amount into the next billing cycle, since statements never come out until the billing cycle has ended, and its at least a week into the next billing cycle. If he wanted for his bill, he would be in the next billing cycle, thus the representative clearly meant that if intermediate payments were made,the OP could keep using the card.
erprete "I was not allowed to carry a balance over $2,000 into the next billing cycle" to mean that you have to make intermediate payments to keep the balancannot charge over $2,000.00.
Posted by hethr on 2010-02-22:
Bear, It seems that you didn't read what the OP wrote. He said the rep assured him he could still use the card for over his limit as long as he paid it w/in the cycle, but at the hotel the card declined the overages. A legitimate complaint to have been told wrong information.
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Bad Service
Posted by Abenann2012 on 02/12/2013
ELMA, WASHINGTON -- I opened a Best Buy credit card now issued by Capital One. I went to use the credit card today and found out that Capital One closed it on me. They closed the card because I had too many inquiries on my credit report. This happened even though I have a perfect payment history with them.
I applied for a car loan in November and the car lot made 11 inquiries and the agent at Capital One said I shouldn't have applied for the car loan. Seriously that is the most absurd reason I have ever heard for closing someone's account. Not only can the customer service agents barely speak English but to close it for the reason they closed it. Hello, credit card companies make periodic reviews of your credit what is Capital One going to do close everyone's account just because they don't like how many inquiries are on it.
Sounds like they are working themselves out of business. Will never have anything to do with this company again.
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Posted by Alain on 2013-02-12:
You may want to go to this website to see if they can assist you in resolving this problem: http://www.federalreserve.gov/creditcard/complaints.html
Posted by leet60 on 2013-02-12:
Credit accounts being closed for excessive inquiries is not an uncommon practice for lenders, so this does not suprise me.
In retrospect, you are always better off when purchasing a car NOT to try to finance through the dealership. A bank or credit union can preapprove you for a loan amount for a car and you can negotiate your purchase for that amount. Dealerships will fire as many inquiries as possible to try and finance you (in the hopes it will be at a high rate) as they get a kickback from the lender in most cases. Never buy a car based on "how much do you want to pay a month" negotiating.
Posted by trmn8r on 2013-02-12:
"what is Capital One going to do close everyone's account just because they don't like how many inquiries are on it."
I believe this could happen at most all CC banks, not just Cap One. leet60's advice above is excellent, and voted as such.
Posted by JR in Orlando on 2013-02-12:
Look at it from a credit card company's point of view. A cardholder who is having lots of inquiries about his credit by lenders, probably means that the person is having financial problems and is seeking to get additional credit to live on. This would indicate that the chance of the person defaulting on the loan has increased.
It is unfortunate that the OP had the car lot make so many inquiries. The credit card company's computer probably kicks out the number of inquiries automatically without regard to whether it is one or multiple persons making them.
Posted by Churro on 2013-02-12:
They did you a favor. The best buy credit card isn't worth having and capital one sucks. You're far better off ending the relationship now than later when the ugliness sets in.
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Landfill, rights on agenda
By Max Hrenda
Tonight's County Commission meeting will focus on topics ranging from guns to garbage.
Chief among those may be the commission's vote on a private act which would transfer the supervision of the Carter County Landfill and its director from the county mayor's office to the county's Landfill Committee.
Although the commission passed the act by a vote of 17-5 during its last meeting on Jan. 22, County Mayor Leon Humphrey vetoed it the following day.
"I don't think the commissioners have thought this through," Humphrey said after the veto. "It's not being done for the right reasons."
Commissioner Sonja Culler, who asked for the drafting of the private act, said during the commission meeting that Landfill Director Benny Lyons told her he was uncomfortable working for the mayor.
"The mayor is scrutinizing him and making him feel like he's not doing a good job," Culler said. "I contacted the (county) attorney and asked if I had the right to bring this before the commission. He said I did."
Lyons would later say that he felt like his job would be more secure if he reported to a committee of eight, rather than just one person.
Humphrey denied mistreating or scrutinizing Lyons, while maintaining that the commission's reasoning did not warrant a change in state law.


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Competitive Enterprise Institute | 1899 L ST NW Floor 12, Washington, DC 20036 | Phone: 202-331-1010 | Fax: 202-331-0640
The Enron affair has accomplished the seemingly impossible — it has riveted public attention on technical issues of accounting. As a result, all sorts of "reforms" are getting hitched to the scandal locomotive, from revised auditing standards to controls over pension investments.<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />
Corporate America is reacting with equanimity to most of these. But on one issue the companies stand shield-to-shield like Greeks at Thermopylae: They do not want to be forced to classify the cost of stock options as "expenses" that must be subtracted from reported earnings.
The companies thought they won this battle in 1995, when the U.S. Financial Accounting Standards Board retracted a proposal that options be expensed. It allowed firms, instead, to put in footnotes providing a valuation of options based on the Black-Sholes model (the widely used mechanism for valuing options of all kinds) and providing a number for earnings per share on a fully diluted basis.
In 2000, however, the International Accounting Standards Board resurrected the idea, and it has gained momentum since Enron. Senator Carl Levin (D., Mich.) recently put in a bill that would have the effect of requiring that options be expensed, various investors' groups have joined the pro-expense camp, and the potent name of Alan Greenspan was recently added.
The companies, led by the high-tech and venture-capital forces that are the most adamant anti-expensers, are in for a serious fight.
Corporate America is right on this issue, but it has a problem because it must make a complicated argument while its opponents use a bumper sticker. In a scandal-driven milieu, the disadvantage is serious.
The bumper sticker is that everybody knows that stock options are a way of rewarding employees, especially top management. So why not simply call a spade a spade, or a paycheck a paycheck, and treat options as a compensation expense?
The complicated answer to this has several parts. First, the valuation question is intractable, especially for a non-liquid option. No model is satisfactory, so why change the current system of disclosure when the new numbers are not necessarily more accurate, and will certainly be more confusing? In any event, the cost to the shareholders is represented by the fully diluted earnings numbers, so requiring that the value also be expensed would be double counting.
Besides, if investors want more numbers, they can demand them. As the Financial Times reported on March 28, individual companies are already issuing special reports on the issue.
The second response is trickier, but more important. It concerns determining which set of earnings the value of the options would be charged against.
The usual assumption is they are a cost to be matched against earnings over the life of the grant, or possibly at the time of the grant. But not so fast. Most of the value of the modern company is intangible — intellectual property, market knowledge, customer contacts, and so on. A Brookings Institution project notes that as of March 2000, only 15% of the market capitalization of the S&P 500 could be ascribed to physical assets; the rest derived from intangibles.
Such intangible capital comes from the minds of employees. The market is recognizing that their efforts produce a stream of earnings in the future, not just current earnings. They are creating capital.
Therefore, dividing employee compensation into salary payments and capital stock simply recognizes the reality of the modern enterprise. Requiring that it all be treated as a current expense would be misleading because it would overstate current costs and understate investment.
Indeed, the use of stock options has grown immensely over the past two decades, apace with the growing importance of intangibles on corporate balance sheets. In 1978, intangibles accounted for only about 15% of market cap.
Besides the inherent difficulty of making this complex case in the political arena, the corporations have another handicap of which they are unaware.
They do not know that they are in a battle over fundamental political issues. They think the debate is all about the merits, and that once they explain their case their opponents will be convinced. Most of the high-tech community, which is most concerned because of its heavy reliance on stock options, is politically liberal, and thus confident in the honest intentions of a beneficent state.
They could win on the merits. Stranger things have occurred in Washington. But it is not clear that the pro-expense-the-options forces give a rap about the merits, and the companies are likely to find them bafflingly unresponsive.
Conservatives crow over expanding stock ownership, convinced that this will make society less favorable to government regulation. Their opponents agree, so anything that promises to check the diffusion of stock ownership, especially something as well camouflaged as an accounting standard, is appealing.
The press has noted support of some investors for the expense-options view, but, on closer look, many of these consist largely of pension funds for public employees and unions. They have no reason to promote widespread direct-stock ownership by corporate employees.
In this politically charged world, when corporate American argues that the proposed rules would discourage stock options, especially for lower-level employees, its opponents smile. And when the companies point out that the new rules would actually obfuscate the earnings numbers, the opponents are indifferent.
One should not underestimate the political power of the high-tech world, but they would be well advised to think through the nature of the conflict they are in.
Mr. DeLong is senior fellow in the Project on Technology & Innovation at the Competitive Enterprise Institute.
Competitive Enterprise Institute | 1899 L ST NW Floor 12, Washington, DC 20036 | Phone: 202-331-1010 | Fax: 202-331-0640
[1] http://cei.org/adjunct-scholar/james-v-delong


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Most Internet users have been in contact with malicious software (malware) and most of us understand these threats should be avoided. Far less people understand what happens when a computer is attacked, more precisely, what are the objectives of the attackers and how these attacks could affect your business?
We will present various attacks that have been recently witnessed which illustrate the different motivations of malware creators and operators. We will also show how banking trojans such as Win32/Gataka can attack on alternative operating systems such as OSX/Flashback. Finally, we will cover cases of cyber espionage with the case of ACAD/Medre.
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Apr 8 2014
17 mins
Join this short 20 minute webinar to learn about some of the incredible benefits you can gain by implementing a Corporate Card Program in your business.
These include how you can:
• Help positively impact your bottom line
• Streamline expense payment and offer benefit to your travelers
• Help simplify and improve your expense reporting process
Who should attend: Finance leaders (best suited to companies with annual revenue >$4 million)
Read more >
Leadership Principles for Small Businesses
Dan Rather, Award-Winning Broadcast Journalist
Apr 2 2014
52 mins
Join Dan Rather as he shares leadership principles of the world's most powerful leaders and how small businesses can benefit from them in the Verizon Small Business Ready Webinar Series.
For more than 40 years, former CBS News anchor and 60 Minutes correspondent Dan Rather has been the embodiment of the intrepid broadcast journalist. From the Kennedy assassination—where he was the first to break the news that the president had been killed—to the Indian Ocean tsunami, he has covered every major story of our time, with distinction and a fierce dedication to hard news. For his unparalleled devotion to his craft, he was named the 2012 recipient of the Edward R. Murrow Award for Lifetime Achievement.
Rather's reporting skills are legendary, and his single-minded pursuit of the story has taken him to datelines as far ranging as Vietnam, Afghanistan, Iraq, China, Russia, and Cuba.
On the domestic front, Rather has covered every presidential campaign since 1952. Rather's latest journalistic venture is the hard-edged news show Dan Rather Reports, broadcasted on AXS TV, on which he acts as both host and managing editor. With his renowned in-depth interviews and his love of investigative reporting, Rather is able to accurately report on major issues facing our nation today. From politics and the global economy to international affairs and the environment, he gives each story the time and commitment that it deserves.
In May 2012 his memoir, Rather Outspoken: My Life in the News, was published.
Read more >
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Channel profile
ESET - Internet Security Threats Channel
Getting Started with Business Continuity
May 7 2014
5:00 pm
60 mins
Stephen Cobb, Senior Security Researcher, ESET
From natural disasters to hacking attacks, your business needs a plan to respond to adverse events and keep on going. That's the goal of Business Continuity and Stephen Cobb helps you lay the groundwork for a successful strategy for your organization.
The Cybersecurity Framework is here, now what?
Apr 16 2014
54 mins
Cameron Camp, Security Researcher, ESET
Now that NIST has published Version 1.0 of the Framework for Improving Critical Infrastructure Cybersecurity, the long awaited CSF, what are the implications for companies? How can the CSF help your business improve its defenses? Cameron camp investigates.
Cyberskills Shortage: Where is the cyber workforce of tomorrow?
Apr 2 2014
59 mins
Stephen Cobb, Senior Security Researcher, ESET
Numerous studies show a serious shortage of qualified people to fill the cyber jobs of today, particularly those that require security knowledge and skills. Stephen Cobb looks at the implications and the steps being taken to improve cyber education and training.
What does your Business need to know about Encryption?
Mar 19 2014
59 mins
Stephen Cobb, Senior Security Researcher, ESET
With confidential data under attack on many fronts, it is time to look at how encryption can protect data access and what your business could be doing to employ encryption, from servers to endpoints to removable media.
How to Discuss Online Safety with Your Kids
Mar 17 2014
4 mins
Alison Rhodes
"The Safety Mom" Alison Rhodes shares key topics for protecting online security and privacy for your kids. Educate them on the dangers of sharing information and use training tools and parental controls to show them only the good sides of the internet.
How to Know if an Android App is Safe to Download
Mar 17 2014
3 mins
The convenience of an open applications market for your android device has led to a heightened threat of security. Good judgement and attention to detail are a few tips for good practice to ensure trusted apps that keep you protected.
Online Safety Tips: Protect Your Family from Identity Theft Online (Phishing Sca
Mar 17 2014
4 mins
Alison Rhodes
"The Safety Mom" Alison Rhodes has tips for limiting risks for your kids online. Educate yourself and them about the reality of the danger, set rules and parental controls and use security software to protect them from phishing and other threats.
How to tell the difference between adware, spyware, and a virus
Mar 17 2014
3 mins
Protect yourself online by knowing the basics and recognizing the warning signs. Backing up your information as well as anti-virus scanners and software can provide security from malware, phishing, and other cyber threats.
How to choose between free or paid antivirus software
Mar 17 2014
2 mins
With so many anti-virus softwares available, it is important to recognize the difference between free and paid services. While free programs may seem attractive, research the market and know your needs to ensure you have the right protection.
Do Apple Computers Need Antivirus Protection?
Mar 17 2014
2 mins
Even though Apple computers cannot be infected by Windows viruses they are still susceptible to other cyber threats. Enhance your apple security and experience with effective antivirus software.
Identity Theft Protection: How to Prevent Identity Theft Online
Mar 17 2014
3 mins
Alison Rhodes
"The Safety Mom" Alison Rhodes has some easy ways to protect your family online. Keys for password protection and safety software with personal firewall and anti-phishing features can help prevent identity theft and other cyber threats.
How to detect and remove some viruses from your computer
Mar 17 2014
3 mins
Detecting the symptoms of an infected computer and taking the right steps can help you fix and remove viruses on your own, from the comfort of home. Proper back-up and anti virus software can help protect you from losing important information.
How to choose the best antivirus software for you
Mar 17 2014
2 mins
Enjoy and explore the internet freely and securely by choosing the best antivirus software for your computer. Knowing your needs and operating system as well as research are the keys to protecting yourself from viruses and other cyber threats.
VIDEO: Android security tips: how to keep your mobile device secure
Mar 7 2014
3 mins
Android smartphones provide amazing connectivity and convenience but this accessibility and customization but can come at the price of personal security. Mobile security software can provide the safeguards you need for your device and information.
HIMSS 2014 recap: Latest trends seen at HIMSS
Mar 5 2014
55 mins
Lysa Myers, Security Researcher at ESET
ESET security researcher Lysa Myers reports on developments in healthcare IT system security that she observed attending the recent HIMSS conference in Orlando. Find out what is being done to better protect patient data privacy.
Data Privacy for Healthcare
Feb 13 2014
39 mins
Lysa Myers, Security Researcher at ESET
45% of data breaches reported in 2013 were from the medical and healthcare sector. ESET researcher Lysa Myers looks at information security in the healthcare industry and how we can do better when it comes to protecting the privacy of patient data.
What Does Data Privacy Mean for Your Business?
Jan 29 2014
53 mins
Stephen Cobb, Sr. Security Researcher, ESET North America
With consumers and customers more concerned than ever about their data privacy, you need to be sure your business is doing enough to protect personally identifiable information (PII). ESET security and privacy expert Stephen Cobb explains how smart privacy strategies not only protect your company, but win you more business.
2014: The year ahead in cyber security
Jan 15 2014
57 mins
Stephen Cobb, Senior Security Researcher, ESET North America
What cyber threats will your business have to deal with in 2014? From cyber criminals to digital privacy concerns, the landscape is shifting and ESET Senior Security Researcher Stephen Cobb offers his take on the road ahead and the best use of resources to protect your business.
How would ESET Experts Protect their Business from Malware?
Dec 18 2013
58 mins
Stephen Cobb, Senior Security Researcher, Cameron Camp, Security Researcher, and Lysa Myers, Security Researcher III
Learn how ESET Experts would protect their business from Malware. This will be a panel discussion.
How can your small business make security policies pay off?
Dec 4 2013
56 mins
Stephen Cobb, Senior Security Researcher, ESET
A guide to improving the cyber security of your organization through policy, while enlisting employees in the security effort and winning more business.
Keeping you and your business safe from IT security threats
ESET's Cybersecurity series is designed to connect you with the experts. As an IT Security professional you will gain access to analysis and commentary from industry experts on the Cybersecurity front. Join ESET's channel now >>
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At Bayshore Moving & Storage, our primary goal is to provide the highest quality moving and related services at competitive prices for Washington D.C., Baltimore, Philadelphia, Richmond, Wilmington, Delaware and the surrounding communities.
We are a female-owned company and family of professionals who work together to provide the best relocation assistance available. Bayshore provides customers with local, regional, national and international moving and related services, including storage for household and commercial goods.
North East Locations We Service
For whatever relocation needs you have, hire Bayshore as your movers. Baltimore business owners and residents for years have used Bayshore as their Baltimore movers.
For all of your moving needs in the City of Brotherly Love, count on Bayshore as your trusted movers. Philadelphia households and businesses rely on us as their Philadelphia movers.
When relocating to or within our nation's capital, you need the help of trusted, professional movers. Washington DC residents turn to Bayshore as their Washington DC movers.
If you or your business needs to relocate local or long-distance, choose Bayshore Allied. Wilmington, Delaware businesses consider our central location when they are in need of Wilmington movers.
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Manage and store your important files and documents in our storage facilities. Records Management
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What Satisfied Movers Say..."I chose Bayshore Allied Van Lines after interviewing 3 moving companies. The representative from the company was very personable, and put me at ease during a very stressful time in my life. I described what my needs and concerns were, and they were met..." Shelley, Boca Raton, FL (9/09) Read what other movers are saying


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Authors: Author List
Teri Henderson Tope
Teri Henderson Tope has been a lifelong seamstress and a quilter since 1982. Teris quilting life really started with a pregnancy and six weeks of bed rest. Anyone who knows her knows that this would have been almost impossible for her to do were it not for an American Patchwork and Quilting® magazine and a box of chintz fabric samples. That first quilt was an appliquéd Dresden Plate quilted to a bed sheet. And the rest, as they say, is history. Two more beautiful daughters and many more quilts were to follow, all culminating in this adventure titled Appliqué in Reverse.
Teri and her husband run Gumshoe Studio, a graphic design and web-based marketing firm out of their home in Worthington, Ohio, www.gumshoestudio.com. She owns Material Girl Designs, a pattern business, www.materialgirldesigns.com, and is the partner of Liz Canty in their business, Weve Got the Notion, www.wevegotthenotion.com
Teri is a member of the American Quilting Association, the National Quilting Association, the Quintessential Quilters, The Appliqué Society, the American Quilt Alliance, the Worthington International Friendship Association, and the S&M Quilters (thats stitch and munch quilters) along with a few other organizations because she has a problem with saying the word no. She has displayed quilts in many national and international quilt venues winning a ribbon or two. She also teaches and lectures and was given the honor of representing the city of Worthington by teaching quilting in its sister city, Sayama, Japan.
Quilting has been Teris joy, "Life is too short, so enjoy it quilt!"
Website: http://www.materialgirldesigns.com
Books by Teri Henderson Tope


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WEIRTON - Mr. and Mrs. Gary Mastromichalis of Weirton announce the engagement of their daughter, Jacqueline Mastromichalis, to Juan Munoz, son of Juan and San Juanita Munoz of Houston, Texas.
The bride-to-be is a 2001 graduate of Weir High School. She graduated magna cum laude with honors from West Virginia University with a bachelor's degree in industrial engineering. She is an industrial engineer for the U.S. Postal Service in Houston.
Her fiance, a 2000 graduate of Cypress Springs High School in Houston, graduated from Texas A&M University with a bachelor's degree in electrical egineering and a minor in business. He is an electrical engineer for the Boeing Co. and NASA in Houston while working on his master's degree from Washington State University.
Article Photos
A wedding will be held in June 2012.


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The 2014 Brain Health Fair
Presented by the American Brain Foundation
Saturday, April 26 from 10:00 a.m. – 4:00 p.m. at the Pennsylvania Convention Center in Philadelphia, PA in Exhibit Hall A.
The Brain Health Fair is a FREE, daylong family event connecting thousands of patients, families, and caregivers affected by a brain disease, as well as the general public interested in brain health. Participants can attend classes held by top neurologists and activities on Alzheimer's disease, stroke, Parkinson's disease, traumatic brain injury, epilepsy, headache, multiple sclerosis, child development, peripheral neuropathy and other types of brain disease.
Each year the Brain Health Fair is scheduled during the opening day of the American Academy of Neurology's Annual Meeting, which brings over 12,000 neurologists and health care professionals into a participating U.S. city.
More information is available here.
Frontotemporal Degeneration Caregiver Conference
Friday, May 30, 2014
The Penn Frontotemporal Degeneration Center invites you to attend a day-long conference for caregivers of persons with FTD and related conditions such as ALS and Corticobasal Degeneration. This conference is open to family caregivers, health professionals, scientists, students and others with an interest in FTD. This conference will include presentations by Dr. Murray Grossman and a team of experts in the field of FTD.
To Register:
There is no charge to attend this event, but space is limited. Pre-registration is required. Please visit http://ftd.med.upenn.edu
Program time: 8:00-5:00 PM includes lunch and morning and afternoon refreshments.
Program Location:
University of Pennsylvania
Biomedical Research Building II/III – Auditorium
421 Curie Blvd.
Philadelphia, PA 19104
Pre-registration required
Questions or Concerns?
Christine Ray, MSW


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New Collaboration Advances Commitment to Women's Health
Texas Health Resources and the Laura W. Bush Institute for Women's Health (LWBIWH), part of the Texas Tech University Health Sciences Center, have launched a collaboration that empowers women in the Dallas-Fort Worth area to take control of their health and enables local physicians to attain special training in gender-specific medicine.
"We're privileged to team up with the Laura W. Bush Institute for Women's Health as another way to help families stay healthy," said Douglas D. Hawthorne, FACHE, CEO of Texas Health. "A key to our transforming health care in North Texas for the 21st century will be identifying the needs of defined groups of people, and connecting each individual with the right service, at the right time, in the right place."
"Our collaboration with the Laura W. Bush Institute speaks directly to this important goal."
The LWBIWH, which is headquartered in Amarillo, already has a presence in Lubbock, El Paso, Midland and San Angelo. Dallas-Fort Worth is home to 1.15 million women and is the current residence of Bush and her family.
Texas Health Resources appreciates that when it comes to health care, women are quite different from men. We understand that women can have unique symptoms, reactions to treatment and responses to medicine. Our commitment to women's well-being is reflected in this new partnership with the Laura W. Bush Institute for Women's Health.
There are three main components of the collaboration, including community involvement, education and research:
Girl PowerDuring their formative years, pre-teen girls (4th-6th grades) can be susceptible to issues concerning bullying, internet safety, poor nutrition and low self-esteem. That's why Texas Health Resources in collaboration with the Laura W. Bush Institute for Women's Health of the Texas Tech University Health Sciences Center are providing support to young women in North Texas with the GiRL Power Program (Girls in Real Life). At this critical stage in girls' lives, GiRL Power hopes to strengthen the bond and dialogue between each girl and her mother (or another important woman in her life) in order to build confidence and improve health and well-being.
Established in 2007 and with locations throughout West Texas, the Laura W. Bush Institute for Women's Health is dedicated to the cultivation and advancement of multidisciplinary science in women's health and to the promotion of the well-being of women. The Institute builds and offers research, education and community outreach programs to improve the lives of women and their families by applying the resources and expertise from its affiliation with the Texas Tech University Health Sciences Center and Angelo State University, which is part of the Texas Tech University System.
The Institute supports scientific discoveries unique to women's health and gender differences, advances the knowledge of health care professionals through evidence-based resources, and connects with communities for healthier lives. For more information about the Institute, call 806-356-4617 or visit LauraBushInstitute.org.
Texas Health Resources | 612 E. Lamar Blvd. | Arlington, TX 76011 | Phone Directory


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- About AAEM
- Membership
- Benefits
- Publications
- Advocacy
- Education
- EM Resources
Common Sense is the official newsletter of AAEM. It is a bi-monthly publication that reports on all AAEM activities and news from the world of emergency medicine. It is delivered to the AAEM membership* six times a year, which currently stands at over 8,000 emergency physicians, residents, and others with an interest in emergency medicine.
* International members receive an online subscription only.
Advertising options are available!
Click here for 2014 advertising rates, or contact firstname.lastname@example.com for more information.
Newest Issue: March/April 2014
March/April 2014
January/February 2014


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What will your legacy be? Whether you train or fight, the Bad Boy Legacy Shorts won't hold you back.
Breathable and tear resistant, these lightweight fight shorts are made from 4D multi-directional stretch material making them our most comfortable and versatile yet. Allowing a full range of movement and flexibility, they also include the vital split side seams with triangle reinforcement stitching for maximum durability.
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Great shorts!
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Bottom Line Yes, I would recommend this to a friend
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AUSTIN -- With signs and chants, demonstrators rallied in the Texas Capitol rotunda and right outside the governor's door demanding the state expand Medicaid to more than a million low-income Texans under the Affordable Care Act, also known as "Obamacare."
"We're angry," demonstrator Gloria Payne summed up the crowd's mood. "We're angry that the governor is not noticing how hard we're working and how bad we need medical insurance."
"Private insurance companies are outrageous. We can't afford it. It's hard to pay bills and just live day to day let alone try to buy personal insurance. It's just not affordable," said Payne, a working mother of two. "Lord forbid I get sick today, what's going to happen to me?"
Budget experts estimate that over ten years, roughly $15 billion in state money would draw down $100 billion in federal funds. Protests threatened to drown out a meeting of Republican leaders opposed to expansion led by Gov. Rick Perry, who Monday reiterated the criticism that Medicaid is broken.
"On its face we would be foolish to continue on to a path that would bankrupt this country and it would bankrupt our states," Perry told reporters at a media conference following Monday's roundtable discussion. Both were attended by the state's top GOP brass, including Lt. Gov. David Dewhurst and U.S. Senators John Cornyn and Ted Cruz.
"If you look at the data, those who are covered by Medicaid receive substantially worse outcomes than do those in private insurance or even those with no insurance at all," Cruz said.
Perry again argued for more flexibility from Washington, D.C., preferably in the form of a block grant giving Texas the flexibility to design its own health care solution. Perry elaborated more on what that solution would look like Monday, suggesting it would include asset testing and health savings accounts.
"Health savings accounts would be the single best way for all people to have coverage and they'd have skin in the game," said Perry. "So there's a lot of different options. The problem is that the federal government either they don't think they're smart enough or they don't trust us."
"The state under Governor Perry has not used the money wisely," countered U.S. Rep. Joaquin Castro (D-San Antonio), leading state Democratic leaders in a separate media conference calling on Perry to reconsider. "Medicaid is already means testing. They're asking to further means test that. This is in a state that has the highest number of people with no health care coverage. So I think that what he's doing is putting that forward as an excuse."
While brushing off a suggestion that Republican opposition to expanding the federal health insurance exchange could be cooling, Rep. Lloyd Doggett (D-Austin) suggested the exchange could be potential path toward compromise.
"I think that that might provide an avenue for resolving this," said Doggett. "That exchange by the way is something that, in addition to members of Congress, millions of people here in the state of Texas will be able to go online, just as if they were buying a plane ticket, and choose between various private insurance carriers on standardized policy."
"I think it's going to be a tremendous asset," said Doggett, with the caveat, "I don't expect them to ever endorse it or like it."
Members of both parties pointed toward an agreement made between the Obama administration and Arkansas to allow private insurance exchanges to expand coverage to the working poor as evidence the federal government may be willing to cut a deal with other states with reservations over Medicaid expansion.
According to Forbes, a memo released by the U.S. Department of Health and Human Services Friday suggests the compromise may have issues.
Whether leaders can eventually break the impasse, the tensions are clearly rising.