Minor thread jack, but I just tried to use a Capital One Visa card I've had for 10 years to find out the account had been closed because of inactivity. I haven't used it in two years. I've got great credit and was never late on a payment and would be, I thought, a great low-risk customer
It stinks because it was my first card - I got it when I was 18 - and the closing of the account will affect my credit score and I'm in the process of looking for a house.
Might be a good idea to make a call if you've got a Capital One card you haven't used for a while.