...being closed? My credit card account has been closed for non payment since November 2007 i haven't made any payments towards it and the interest rate where starting to add, I was going to start paying it off because i need to start taking care of my credit, I recieved a letter in the mail where they charged me interest rate for July, august and september, and the amount is much more than what i owed i just checked my credit report last week. My question is can then do this after 3 years and how come they did it out of the blue starting in july. By the way this is a capital one credit card account