Established Contributor
Posts: 731
Registered: ‎08-12-2011
Re: Need advice on pay off cap one card
[ Edited ]

If capital one is reporting the balance of $600+ then you can deal directly with them. They are huge sticklers and don't normally accept PFD or GW letters, but it does not mean you should not try. You really just want to get this paid before they sell it to a JDB/CA and you have two negative accounts reporting for the same debt.