Kevin Barker and eight other Capital One customers appeal the district court’s grant of summary judgment in favor of defendant Capital One Bank (USA), N.A. on numerous claims. Customers allege that Capital One unlawfully increased their credit card interest rates in violation of both federal and state law.

After a review of the parties’ briefs and having had the benefit of oral argument, we affirm substantially for reasons given by the well-reasoned opinion of the district court. In re Capital One Bank Credit Card Interest Rate Litigation, 51 F.Supp.3d 1316 (N.D.Ga. 2014).

AFFIRMED.