Naja, I am, confused. In your imitial post you said you paid in full Capital One. Later you say the card had $1000 CL which you had not spent a dime of (n ouse of the card at all?). You also say there was $200 in annual fees & late fees (which Cap One forgave when they closed the account). So...
Just how long did you have the credit card open? Did you ever use it? Because I am confused how you managed to PIF a card you seem to have never used and which Capital One closed after waiving the fees on the inactive account.
