1) Apparently, credit card issuers are in the process of revising their penalties, fees, and rates right about this time of year. It's worth it to be on the lookout for such notices in your mail. It's never fun to be caught on the wrong end of a revised (upward, of course) over-the-limit fee.
Poor Bank of America (HA!) must be losing money all over the place. For customers who miss two payments, or run card balances over the limit twice in a 12-month period, BoA is raising the punitive interest rate to 29.49% (prime plus 23.99).
Oy. That'll leave a mark.
2) I'd tend to agree with the ratings of "customer online experience" which rank Capital One at the head of the class. I've had cards with Capital One, Chase, Fleet, Providian, and Citibank, among others. Capital One's online interface is clean, simple, and far 'n' away the best of the bunch. Citibank's interface, on the other hand, makes me cringe. I'd say Chase is somewhere in the middle of the pack.