Ooops I missed the BK. I thought he just didn't pay, my mistake.
OP didn't say they had a BK. They only said they had a CO.
Right. My response was directed @BenTramer1978. OP only defaulted.
Then why did you bring up BK?
I see what I did. I quoted your post, but was thinking of @SUPERSQUID's post because they mentioned BK. Disregard. Point is, Cap One is generally forgiving. It's weird that in OP's case they weren't.