http://www.latimes.com/business/la-f...#axzz2tgoZwSeA
"Credit card issuer Capital One isn't shy about getting into customers' faces. The company recently sent a contract update to cardholders that makes clear it can drop by any time it pleases.
The update specifies that "we may contact you in any manner we choose" and that such contacts can include calls, emails, texts, faxes or a "personal visit."
Incredibly, Cap One's aggressiveness doesn't stop with personal visits. The company's contract update also includes this little road apple: "We may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose."
"Subprime" credit cards are becoming more aggressive in their attempts to collect before they send the debt to the collection agencies.
No one plans on letting a credit card become over due. It happens when life throws a curve ball. It is important to review the terms and conditions of any credit card you have, just in case any of these scenarios happen to you. It is easier to find a card with reasonable terms when you shop for a card then it is dealing with horrible terms after.



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