Capital One's no longer in my wallet

There's still credit card companies that charge anual fees?

My ex-husband received an offer from them about 2 years after his
bankruptcy had been discharged - it wasn't a great card. It had a
$300 credit limit to start and required a $100 security deposity. In
2002, after he'd had the card for 6 years, never was late, and had had
his credit limit increased to $1500, do you know they STILL would not
release the security deposit?

You'd better believe that the first card he was offered with no annual
fee and no security needed, that was the end of Capital One!

Great letter. I hope they respond to you soon. Good luck!

You did the right thing-now go to Cheddar's and celebrate :) I liked
the Chicken Fried Steak. The mashed potatoes are YUMMY too!

My Capital One account was one of my oldest credit card accounts.
When I opened this account I didn't have a lot of credit, and I was
approved for an account with an annual fee. Although I had the
account for years, Capital One would never waive the annual fee. They
gave me progresively better interest rates, but they never waived that
silly $49 annual account fee.

I kept the card open because it was one of my oldest. The age of your
credit accounts is a fairly significant contributing factor to your
credit score, so you benefit by keeping accounts open. Especially
very old accounts. But over the years I've acquired a good many other
credit cards that don't have annual fees, that have significantly
higher credit limits, and which also offer rewards. After these cards
had been seasoned for a few years, the age of the Capital One account
became less of a factor in my credit score. So when it came time to
pay the account fee once again this year, I closed the account.

Unfortunately, Capital One has not closed my account. They allowed a
charge to be processed on the account after it had already been
closed. They also have not reported it as closed to the consumer
reporting agencies, despite the fact that I closed this account over
two months ago. And they also have not refuned the annual account fee
that I paid (I paid it so that the account would be closed, and the
CSR told me when I closed the account that the annual fee would be
refuned).

I would just caution all of you to really pay close attention to your
Capital One accounts. Their customer service is average at best when
you're an existing customer. When you're no longer a customer, it's
non-existent.

I have to ask the same question as the one posed by Chris M. Who in
the world *pays* an annual fee for a credit card? If you are, you're
being taken!

This seems to be a common complaint with Capital One. If they can't
handle simple requests, like this, why should they be trusted to
handle anyone's business?