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  1. hi all In 2002 my mum was sent a letter with an application form for a Capital one credit card. She signed the form and sent it back as she's never been offered credit before and was quite excited. She was unemployed at the time as she is long term disabled. She didnt sign an actual agreement, they just sent her a credit card. It was a normal Cap1 credit card. After a month it went up to a silver card, then a silver sleepy kitty card, then a gold card. She was making regular payments and was well on top of it. Then one month she was late with the payment an
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