Here is the story, I have a capital one card and I owe a little over $600 on it. The credit limit was $500. I called them in November (I know it was dumb) and I owed them around $900 then. They said I needed to make a payment of around $400 and they could divide it into 3 payments. I paid the first two but due to unforseen problems I can't make the last one on time, and I've already postponed it once. It was a postdated check and I had to stop payment on it. I haven't used the card since probably some time in June, and I went from June to November without making a payment due to a divorce.