Getting a copy of your last statement..

I wont say anything amazing in this post.

If you need a copy of your statements, or any other document related to your account, just call Capital One and they will send it at no charge.

The fact that it is at no charge is the good thing..

Getting a lower APR

Let´s be realistic. Having a better APR depends on many facts including your credit record and income.

Anyways, it is not bad always to Ask what they can do about it.

The last time I called Capital One, I received a temporary reduction of my APR for 7 months. This may not sound so great but at the end it is money to be saved.

Also if they do not have a better APR available they may offer something else like Cash Rewards for example. 

Just take what they offer, every dollar saved count.. 

Get Cash rewards on your card

After years of being a customer of Capital One I have learned the following: Many things that may be available for your card will not be offered to you proactively. They will wait for you to ask for it and then they will say: "yes sir, that option is available".

I am not saying that they will give you whatever you ask for. They will give it to you only if it is available but never before you ask.

When it comes to Cash Rewards, sometimes your account may have this feature available but not active yet. 

Call customer service and ask them if they can activate this for you. If it is possible they will do it for sure..

Get rid of the Past Due fee

Of course it is not good to be past due and I do not need to explain why. And that applies to a Capital One Credit Card or to any other..

But what if it is what it is?: I am past due already. Ok, in that case you can always get rid at least of the Past due Fee.

Depending on your account settings they are going to charge you a fee that may vary from $15 to more dollars.

Once you have it, it is very easy to get rid of it: just call customer service and request the fee to be waived!

 They will waive the past due fee and will advice you how to avoid to have it again...