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Which card is it? If it's an AF card, I'd be pretty furious. If it's a no AF card, I'd just let it permanently stay open and get a better card from someone. I had a difficult time with Cap One fraud department as well (I was new to apps, wanted to log into my account before my card came in). At this point, the card is in my SD. Unless it's a Venture card, or an AF card, enjoy not having to maintain a SD card and get something better.
I'm so sorry to hear that. What are you still able to do with an account in permanently restricted status?
Are you not a US citizen or residing here?
@orestrus wrote:
Its a platinum card with AF! I guess im screwed both ways. I dont want their business either, but is more concerned that they might report some negative info on my report. What i should do??
As Nixon stated close them. There is NO reason to pay an AF and not be able to use the cards! They can't hurt your remaining credit, they don't have that power. Close them, don't look back, move on and don't give them another thought!
I feel your pain. Or rather, my husband does. Cap1 just did the same thing to him - he had a Platinum with AF, paid it on time, every time. His card was restricted "due to fraud", but they actually went so far as to send him a brand new card with a new account number - the first time he tried to use it, they blocked it, he called and they said everything was closed. It was a secured card, so they just sent him back his deposit and we called it good.
The only explanation in our case that I can think of is that his FICO scores shot up from the low 600's to the mid 700's over the course of six months - but the only reason for that is because he's an AU on some of my cards - not all of them, but the bigger ones, he is.
He's just shrugged it off - it doesn't seem to bother him particularly. I would do what others have suggested - just shrug it off and move on. There's better companies to do business with, anyway.