I actually think this is a nice feature, not really sure the argument of like “well Capital One isn’t a great company anyway so it’s not you they’re looking after”
So because they’re not a good company means that they shouldn’t have good features? So should I not benefit from a feature that the bank/lender gives me?
I’m much happier that they’re airing on the side of caution and asking me about it then just ignoring it and having me maybe miss it or find out months down the road. Worst case scenario? I get an extra email that I can ignore.