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I have Capital One and Chase. IMO, Chase has much better customer service. Really accomodating csrs. I always liked Capital One because of the long grace periods, but they recently started screwing around with my payments. I send them directly from my checking account, and they started sitting on the payment for a couple of days after it arrived. First time, they charged a late fee even though the payment was there in plenty of time. So now I have to make the payment three business days earlier so they can enjoy the float. I guess they can choose to recognize a payment anytime they want to, but it's pretty sleazy.
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