I am behind one payment with capital one

Call them and ask for a hardship program.

See if you can get caught up then ask for a defered payment or if you are with credit protection get that program started, it will help save your credit.

I had an account with Capital One and I hatd it. I let it go and go until I was 3 months behind and then I got a call one Saturday morning and it was a lady with Capital One Serivces. She and I talked for an hour and I told her I didn't have the full $10,000 and so they would settle for half. Thank the lord for my mom! My mom helped me out and it took me 6 months to pay them half. I've had 3 credit cards, Capital One, Bank of America, and Bank of New York (personal loan). I let all three go bad. Now that I'm out of debt with them and have settled on all 3 my credit score has dropped 43 points. It was worth it to settle with them. It depends on your situation. I'll never live on credit cards again. I've lost nearly 20 lbs, can't sleep, moody, and I hate myself. I lost my job, went to college, and now I'm out looking for a job with a 2 yr degree. I feel some better but not all the way. I hate all credit card companies. If you open an account, they will take off of your credit score. If you close one, I think it will drop a couple of points. So darned if you do and if you don't. I think they all should be against the law to use because there are so many people in debt because of them. Look at all the foreclosures going on also. Banks are making their profit. On me and you all in credit card debt!!! Stay away and DON'T USE CREDIT CARDS!!!