In the last day or two I have received two pieces of mail from Capitol One - the folks that advertise the "No Hassle" card - with one declaring "Action Required" and both proclaiming a 0% introductory rate. And upon closer inspection, both eventually jumping to 22.9% variable. Alright, I know that credit cards get to play fast and loose with interest rates compared to... well, just about anyone but loan sharks and the economy is in pretty rough shape, but 22.9% variable? Come on. These mailpieces are shredder-fodder and nothing more.
 I assume they still advertise the "No Hassle" thing, but I haven't watched TV, save for the odd visit away from home, in over a year.