I had good credit and gained the payment protection plan in 2004. I lost my job in 2007 and decided to go to school, so I worked part time for the next year. Upon getting back out into the job market in the bad economy, I was struggling to pay my bills while becoming self-employed. Since I was almost 2 months behind on my payment to Capital One and they were calling my phone daily, I got my act together to call them and finally admit, I needed to activate this payment protection plan. While questioning my 'most recent' job... read full review »