I paid my credit card down to zero. Capital One flagged me for fraud...for paying my bill... they wanted third party access to my bank, and my bank does not allow 3rd party access because they are protective. So Cspital one restricted my credit card until I could send a bank statement. I sent it twice. I will be canceling all credit with Capital One if they do not fix my access for use in 5 days or less. It's already been over 30 days. Im not happy with the service offered by Capital One Credit. If I could give zero stars, I would.