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I have horrible credit because I haven't had credit cards in over a decade, so I recently signed up for a small credit card with a small limit. I put gas on the card once or twice a month and that's it. Seems I missed a payment and they - Capital One - had the balls to call me. I asked them why they were calling me and they are there like "you owe us $70" and I kept asking why they were calling me over $70. Eventually they would hang up, only to have someone else from India call me again. This went for days.
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