Unjust Fees: Capital on Tap advertises high-limit business credit cards but imposes excessive fees and surcharges. When payments are not made in full, instead of applying a standard interest charge, the bank applies multiple, unfamiliar interest fees. This practice is both misleading and unfair. Customer Service Issues: The customer service team has been unhelpful and unresponsive to business owners’ concerns. I was informed that they do not assist customers adequately and experienced delays and inadequate support, including being asked to troubleshoot technical issues. Account Closure Policy: Accounts are closed if not used within 2-3 months, which is a highly restrictive policy. Additionally, the fees charged are exorbitant, including a 35.99% interest rate, and various additional charges. Questionable Business Practices: Capital on Tap operates out of the UK, with a registered address that is a residential property. Their U.S. operations, based in Atlanta, raise concerns about their professionalism and regulatory compliance. Payment Denial and Charges: Despite paying the balance in full, my transaction was denied, and I was charged hundreds of dollars in interest and additional card fees. These practices suggest a lack of transparency and professionalism, and I request a thorough review and resolution of these issues.