I have a CapitalOne credit card. I have a user name and password with CapitalOne. I should be able to register on their web site so that I can access my credit card details with my existing user name and password. Instead, I was told by their customer service rep today that because I have a new credit card I also need to choose a new user name and password. That is annoying. Banks should strive to make their security more human, not more arbitrary.