Capital One Multifamily Finance

When capital One realizes you don't overspend and can pay your cc balance off each month they will need you to "verify your identity" 12 different ways and take weeks to do it or until the limited time reward date is over but if you cancel that card it's on your credit report next day... ripoff lender who outsources all phone calls to people you can barely understand to begin with. I've already got 4 family members to close their accts with this God awful company taking our business elsewhere. Good luck to anyone who uses cc responsibly with this irresponsible company.