I'm a little confused on some terms; maybe someone can help me.
I have an old Capital One account. Fortunately I have my old statements to refer back to. I went over my $1250. credit limit in January, 2001. I skipped a few payments, they kept hitting me with fees, to where my balance jumped up around $1463. I made a final payment on April 16, 2002. I never sent anything to them beyond that. Because it was a secured account, they took my security deposit and applied it to the balance in November, 2002.