Way back when we were 19 years old and getting our first credit card, Capital One sent us a pre-approved card with a $500 limit. Yippie! We soon found out that no matter how early we sent our payment in, we always got a late fee. Every. Single. Month. After writing letters and causing a fuss, we cancelled the card. Imagine our suprise when, so many years later, reader Tim sends us a Business Week article explaining how and why Capital One uses various tactics to increase fees. In this case, it’s over limit fees, but the whole deal sounds very similiar to the problems we had with Capital One back in ’99.