lost, never used credit card Capital one?

Question

i received it in the mail months ago, and i never authorized it.. just threw it away. Now when i try to apply for another one, it says i already have an account. Which i do, but i don't have that card, and it was NEVER activated. It was disposed of properly and i know no one has it.. So when i try to contact capital one to get another one shipped to me, every number and internet link asks for the 16 digit number of the card.. and if i say i don't have it, it just asks me again.. What do i do

Answer 1

Something very similiar happened to my sister, I know this will sounds silly but it worked. When you call capital one and it starts asking you the automated questions just say some mumbo jumbo into the phone, it wont ber able to undertstand you and It will connect you to a live person, thats what my sister did and they straightened it out for her.

Answer 2

Why are you applying for another credit card from Capital One? Apparently you just threw away the card for the first account. Do you not want the credit cards? Are you just trying to open accounts thinking that will raise your credit score?

If you don't activate a new credit card account, they will eventually close the account -- probably aftger 6 or 7 months. So opening accounts and not activating them really doesn't do your credit score any good.

Answer 3

Not enough info. Who and the limit are not as important as the interest rates. First, if you are carrying balances on any of these cards, maake it a priority to pay those balances off as quickly as you can. Carrying balances does nothing special for your credit. It just costs you a lot of interest. If the CapOne card is charge fees, then pay it off FIRST. Then close it. Do it by letter and request confirmation that the account is closed and 0 balance. Keep that confirmation forever. I also suggest you close any store cards as well. The have high interest rates and limited use. Since the CapOne card is not your oldest account, closing it won't make much difference to average age of accounts and shouldn't hurt your score. Closed accounts in good standing remain on your credit for at least 10 years. They just don't count as much as open, active accounts. If you are not actually using a credit card on a regular basis, it doesn't do much for your credit anyway.

Answer 4

First, never just throw credit cards away. You should have contacted Capital One initially. Call them now and explain the situation. It may take a while to get to a live person.

Answer 5

They have to have a way for someone whose card is lost or stolen and does not know the number to cancel the physical card (not necessarily the account) to prevent fraudulent use. Call them and report the original card lost; they will then either close the account or assign you a new account number for the existing account.

Answer 6

Call the number and then try hitting 0 when it asks for your card number and see if it connects you to someone. If not, try entering a fake CC # like 1111 1111 1111 1111 and see if it will offer you an option that lets you speak with a representative.

Answer 7

Get a Credit Card from a different. learn a lesson about this even if you don't want the card call them and tell them that you want to close the account.

Answer 8

After staying on the line for about an hour you can talk to a live rep. They should be able to help you from there. Good Luck!

Answer 9

Let them know that you didn't activate that card, it should be on files and i don't think is a problem.

Answer 10

Go to their website and see if you can send a customer service email.