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Sorry to hear. This just happened to me... I just called about my quick silver that I paid off completely over a month ago. They told me it is restricted because of the 120 day no payment period. Here's the weird thing.... The woman confirmed that the card cannot be unrestricted but yet it will still be "active" ,but can't use it. So I have to shut it down if I want the account to go away..... They're not going to shut it down but I can never use it again, is the odd thing here. Some one help because I'm not too sure about the person I spoke to lol

@@cam485 I cannot believe the nightmare that I’ve been going through since August 2023 I had four Capital One credit cards for five years not a miss payment and building my credit and I had my boyfriend as the authorized user and he would tell me the money was in and the reason was because of rejected payments, but even if they are rejected, I would pay eventually it would be paid very much so on time and quadruple the minimum payment. Their reasons were because of return payments out of the blue all four of them. I was crying on the phone and they were so stern with me. They would not tell me why now I’m starting to think because he said he was gonna call them because he had a gambling problem he couldn’t stand, his was the authorized user once and for all I built so much I built it built it built when he was gambling and spend money on other women like we’re talking quicksilver we’re talking saver. We’re talking BJ’s were talking Walmart so 3300 in the whole now my utilization is up and I can’t get my credit back the way it was unfair them are restricted and I have to pay every month and I’m not gonna pay them half as much as I used to so all of a sudden cash advance fees, cash advances and interest fees that they wanted to charge me they weren’t making any money on me so if you’re going to say that they won’t let you open the account again I feel like justin bankruptcy and screwing them

​@@cam485 I was told the same thing when I called them today. I was told I would have to open up another card with them and right now my only option is a secured credit card. Debating on whether it's worth it or not right now since I don't understand why they just can't un-restrict my original card ugh 🤦🏾‍♀️

@@not_elijahOG did you ever find out how ?

Just read your comment and I’m sorry to hear this happened to you as well. CapitalOne is holding this restriction over our heads which is so unfair. I’m going to keep pursuing as to why this is so difficult to remove. This is so frustrating especially when you’re trying to improve your credit CapitalOne makes it difficult. I will let you know if I learn more about the restrictions and why it remains on the accounts.