Hey Bozo I have never Left anyone behind my bills are paid up to date and I'm only using 3% of my credit why don't you just buz of I can go to any dealership and drive away with a bran new car with no money down I pay my bills Early a more than the minimum and I basically owe out there next to nothing just for your information I just bought a branew mattress and box spring and the company that gave me the account gave me a 5 Grand limit and my credit score is very close to the 900 which is the highest score you can get so bug off User's recommendation: Go to another company stay away from capital one.