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What is hurting me, is when I was struggling in the past I went 30,60 and 90 days late on some Capital One credit cards, I immediately paid them off and cancelled them, but that was only about 4 years ago.




Capital One is probably the worst. Easy credit, but then they screw you at every turn. Late fees, I can understand, but overlimit fees - come on! Then you probably hurt your credit score even more by closing those accounts. Capital One has a way of fouling up your credit like nobody else - then the only way to get credit is through Capital One (with their high rates, annual fees, etc.). They'll loan to anybody - including the day after a bankruptcy. Seen it many, many times and advise everybody I know to stay far, far away from Capital One.