Does the Capital One Platinum Secured card offer roadside assistance?

To make a Capital One Platinum Secured credit card ATM withdrawal, use the card and the 4-digit PIN for the account at any ATM with a Mastercard logo. Insert the card into the ATM card reader, enter the PIN and select the cash advance menu. Enter a dollar amount up to the card’s cash advance limit and withdraw the cash. The steps may vary based on the ATM.… read full answer

If you don’t have a PIN, contact customer service through your online account or call customer service number on the back of your card. Just understand that a Capital One Platinum Secured credit card ATM withdrawal is a very expensive transaction. There’s a fee from the ATM owner, plus the card’s high cash advance fee and APR.

You can close a Capital One Platinum Secured through your online account or by phone. To close the account online, log in to your account and click "I Want To…" at the top of the page. From there, select "Close Account" from the Account Services menu and confirm you want to close the account. To close a Capital One Platinum Secured account by phone, call … read full answer(800) 227-4825 and enter the card number to connect to a customer service representative. Be firm in your intent to close the account as the representative may offer you incentives such as a higher credit line or a lower interest rate to keep the account open.

Once you close your Capital One Platinum Secured credit card, the account is no longer active. Any pending activity on the account before you closed the card will still post. But no new transactions will be allowed. You’re responsible for making at least the minimum monthly payment on any unpaid balance until it’s gone. You’ll continue to receive statements until the balance reaches zero.

You should properly dispose Capital One Platinum Secured credit card after closing the account. Cut the card in as many small pieces as possible, either with a pair of scissors or a document shredder that’s able to shred plastic credit cards.

Keep in mind that closing the Capital One Platinum Secured may lead to a slight drop in your credit score. Even credit cards with zero balance can help build your credit score by reporting positive information to credit bureaus. So keeping a card with zero balance and no annual fee has no drawbacks. There are several steps you can take to close a credit card account without hurting your score.

Yes, Capital One will close a credit card for inactivity after an extended period of time, but only after contacting the cardholder first. When the account has been inactive for too long, Capital One will notify the cardholder by mail or email and give them the chance to use the account again to avoid having it closed. Note that "inactivity" means that there has been no purchase, transaction or balance on the account. Capital One doesn't provide a specific time frame for closing credit card accounts due to inactivity, but generally speaking, it has to be longer than 12 months.… read full answer

To avoid having Capital One close your credit card for inactivity, just make at least one purchase per year. However, the best thing to do for your credit score is to make one small purchase every month and pay it off in full. For example, it could be something you would have paid for anyway, like gas or groceries.

If Capital One does close your credit card account for inactivity, you should expect to see a drop in your credit score, due to a rise in your overall credit utilization and change in the average age of your accounts.