I called Capital One to request a lower interest rate for a large purchase. They denied my request stating that due to the pandemic, they were not approving any request/offers. Yet, when my statement came, they charged me the annual fee as ususal!! They said the the fee covers stuff like account security, etc. That's funny because I don't pay an annual fee on my other cards and all those benefits are included!! It's all good! I'll just close that account! Going to knock my credit score!