I am upset about this as well. I think I will be calling Capital One about raising our limit. We have used this one just as an emergency back-up and like the other poster, we got B of A through MBNA. We make other purchases out of the country and they will now be subject to this fee. It is the bank's way of getting back money to pay back those TARP funds, in my opinion. I guess I should get with it and pursue another avenue for a credit card. This is not a good thing.