Capital One dormant account

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Capital One dormant account

Postby chimera846 » Sun Sep 07, 2014 6:10 pm

My wife and I have a Capital One account that we haven't used since 2008. It's had a zero balance for the last six years.

The cards have long since expired, but Capital One hasn't sent new ones. They have, however, continued to send me an email every month saying "Your Card Statement Is Ready." I can log into my account on their website and see the statement with zero activity. The account still shows up on my credit report with a zero balance.

What's going on here? I've heard that Capital One is very aggressive with closing inactive accounts, yet ours seems to be open. But they haven't sent new cards, so I'm wondering if my account is in some kind of suspended state -- like maybe they're not going to send new cards unless I call them about it.

Any ideas?

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Postby notcool » Sun Sep 07, 2014 11:47 pm

You may be able to request a replacement card online if the account is open. If the account is generating statements and reporting as open to the credit bureaus then that is surely a good sign the account is open. Perhaps cap one did mail you a card but it went to the wrong address or some similar mishap occurred. You can Always call them too

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Postby takeshi » Mon Sep 08, 2014 12:36 pm

chimera846 wrote:Any ideas?

Call them and find out. We can speculate all you want but that may or may not mean anything.

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Postby dragon452 » Mon Sep 08, 2014 6:17 pm

And here's something else to consider: you've put that account in the sock drawer, so to speak, and ignore it. That account is still active and any credit card crook can get hold of that number and start charging things online or over the phone. You would be well advised to find out exactly what the status of that card is, and take some action on it.

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Postby MemberSince99 » Mon Sep 08, 2014 8:25 pm

takeshi wrote:Call them and find out. We can speculate all you want but that may or may not mean anything.

Well, if they won't replace it, what are the odds you think for him to be approved for new cards if he applies for them?

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