Wow, I am officially blown away. I missed a payment due to a quad accident requiring multiple surgery's recently. When I called in to discuss it with the Capital One folks they were super helpful, dropped charges and interest and wait for it ... they had an amazing metal tub of baked cookies sent to my house wishing me a speedy recovery. Never saw that coming.
This is a lesson for my own business. I can't explain how impressed I am. Count me a fan for life of Capital One.