My husband and I both have separate cards with Capital One. I reached my limit of $300 and continued to pay on it for the past 2 yrs.
I had it down to at least $235 and they recently added a membership fee and interest then added an over the limit fee and that was because of the fees not me charging anything. They did the same to my husband now he got angry and refuses to pay them anything.
He told them that you can not add any thing but the interest and finance charges if you are at your limit, you can not charge a membership fee if I have nothing available on my card then charge me an over the limit fee. Now I have heard of credit card companies being sued by consumers for this, how is Capital One getting away with it?
Product or Service Mentioned: Capital One Credit Card.
Monetary Loss: $600.