I loved Capital One I have been a member over 7 years! However I had recently got hurt at work and explained to them what had happened and even told them I could Fax them over my doctor work notes putting me off of work for a couple months. They were amazing they put me on some type of special payment plan called the Fee Suppression Specialty Assistance Program. It basically states that I try to pay whatever I can, if I can pay anything at all. But they reported me to credit bureaus :(!