Capital One and their rates are outrageoulsy high. Yes I was late on my payments, but the past due was more than half of my mortgage and I was still under my credit limit!!! They would not work with me in any way for a reasonable payment plan that I could afford. They also called 2-3 times after I made payment arrangements. If they are calling your job send a letter in writing (Cease & Desist) for them to contact you by mail only!that last thing anyone wants is collection calls at work which puts your business out there. read full review »