Here's my situation that I am trying to tackle now. I have a CapOne card, since May of 2011. I paid on time every month, at least the minimum, sometimes more. Until this January and February, when I paid less than the minimum amounts. I mistakenly thought, that if I at least made a payment, I wouldn't be marked late. Obviously, I was incorrect. I now have two straight 30 day lates, and have paid March and April on time. I had several CapOne cards years ago, that were always paid on time, until I closed them.
I sent a GA letter last night to the Executive Offices, per these forums, explaining the circumstances and received a phone call today. I spoke to a very nice young man who said there was nothing they could do, as they were required to report the lates, per the FCRA. I explained that I mistakenly thought some payment was better than no payment. he said there was nothing they could do.
What is my best next step? To I call back tomorrow (and everyday after that), to speak to someone else and hope to have better luck? Any advice anyone can offer would be greatly appreciated. Thanks!
