Help with Capital One!!!
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|Sun, 01-11-2009 - 4:59pm|
I have several credit cards and/or lines of credit that I've been making payments on. Right now I've mostly just been making minimums, but it's most important to me right now to make the payments on time to avoid the huge late fees, and get back to paying the phone bills on time again. Also, we we're almost done paying off 2 payments ($300 per month), and I intend to make some big payments with the tax refund.
The problem credit card has been Capital One. The credit limit is $1000. But I went 3 months not paying it when I went over the credit limit. DH was unemployed for 4 months at the very beginning of this year, then when I had my 1st m/c, I was definately not dealing with things well.
But for the last 5 months now, I have made a regular $50 payment. That's all I can comfortably come up with. But they keep charging me a $40 over-the-limit fee, and a $40 "late" fee. They want me to come up with $300 in order to stop those charges, and the total is now up to $1500. I have done everything I can think of when talking to them, but the only thing they will offer me is to "make a FREE payment over the phone"! I even threatened them with bankruptacy, but they won't stop these charges.
ANY advice of who I could talk to?