My credit is fucked
A year and a half ago I accepted a preapproved credit card to try to build my credit. I was surprised when I was charged a 45 dollar membership fee for a 500 dollar card. I only ended up using the card once and its been sitting in my drawer unused for 9 months.
Since I don't use the card I auto-throwaway everything I get from Capitol One because more than half the time it's just another offer/spam.
I found out that I had delinquency on my credit report when I got denied increasing my limit on the card I actually use and pay off every month. I went online to get my free credit report and see 4 months of non-payment. They charged me another membership fee and have been charging me late fees and interest on it for four months. No phone calls, no emails saying "hey, you might wanna take care of this."
My credit score dropped 100 points in 4 months.
Fuck Capitol One.
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