20 years plus and never a late payment. I always waited two or three days after a purchase and scheduled a payment in full. About a month ago I received an Email stating my balance was "seriously Delinquent". I went on line and there was a $14.31 balance I had no idea from where it came. I paid it immediately and fiqured I'd go back when I had time ~~I did. I had purchased some towels that were delivered and payed for them with Kohl's Cash~~~They didn't include the shipping of $8.25 AFTER I had paid and received the towels. I didn't receive a bill or Email for the eight bucks so interest started to accrue and they ( Capital One sent it to collection which of course impacted my Fico score. I contacted Kohl's they in turn opened an inquiry. Today I received a letter stating that they ( capital one) had reviewed it and determined that the information was correct and they wouldn't change it . I canceled my card ~~Will deal with the credit folks myself and will never spend another dime in Kohls. Eight dollar mistake on their part and I have to waste all this time One last thing~~having paid the requested 14.31 I suddenly had a$1.00 credit????