@Anonymous wrote:
I just got my Cap1 Plat card a month ago with a $500 limit. I used all $500 of it last month. I paid it in full before the due date. I login to my account to pake sure the balance is zero and it says account restricted. I didnt use my card after I made the payment. I called them and they want me to send proof of identity or go into the brance and the barely english speaking rep told me that it could have been because of the payment I made. **bleep**? Why because I paid it in full? I also had a Cap1 secured card for 6 months and expected them to convert it to a regualr card and they said they dont do that so I cancelled it and got this one. Capital One SUCKS. They have horrible customer service and there is no one to speak to about a credit limit increase or a credit analyst. I plan on going to the branch tomorrow and closing my checking account and credit card. Who the hell wants to deal with their BS?
OP, it looks like you don't yet have a full picture of what happened in the first place, as to what triggered the account restriction.
It might be that they are trying to just verify your identity since your card is only one month old.
You've mentioned you've maxed out the card in the first month, are you sure you did not go over the current credit limit even by a few cents?
It is unfortunate that their starter cards don't have the same customer service experience as their prime cards but it is what it is. Take the advice of the other members here and call the executive office to figure out what the current situation is.
I started with capital one the same way as you, with a secured card and worked my way up to the prime cards which have amazing customer service, to the point where CSRs will fight for you with airline companies and other vendors. Hang in there, your patience will pay off soon!
