Seriously, I’m seething right now! I just don’t understand what is in the minds of credit lenders!
I AM IN DEBT!
I am in debt up to my eyeballs. I owe a lot of money to a lot of people. Mainly, CAPITAL ONE! Who has so kindly taken me to court for the $1,500 (plus fees) that I owe them. And rightly so. I don’t begrudge them for getting a judgement against me. I owe them the money, I haven’t filed bankruptcy, it’s how it should be.
But Capital One has decided that I am a good candidate for a credit card!
The last time I wrote about Capital One and their offers for credit cards, I mailed back two separate envelopes with my website address written on them. I have since mailed another back and as you can see below, I have two more to return to them.
Capital One was the first company to offer me a credit card after my bankruptcy. Just a year and a half later. They kept the credit limit low, just $200. And when I went over that limit, they charged me an over limit fee. Rather than declining my credit card when I went to make a purchase, the allowed it to go through and then charged me another over limit fee. When I didn’t make the minimum payment one time, they charged me a late fee which put my account over the limit and then charged me an over the limit fee.
I will NEVER EVER be desperate enough to use a credit card from Capital One. They prey on the poor and I find that to be absolutely disgusting.
I take full blame for being an uneducated, impulsive child (even at the age of 30) when I was using my Capital One Credit card. But I think Capital One should hold some blame for creating a horrendous tool for me to fund those impulsive purchases.
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