Last article I discussed the amount of time that negative marks will appear on your credit score. Those ones weren’t so bad. Late Credit Card payments are way more dismal.

Credit card issuer Capital One Bank and four other companies were taken to court by West Virginia Attorney General Darrell McGraw for underhanded and unfair practices and unethical business conduct. The complaint was filed this week in West Virginia’s Circuit Court and it alleges that Capital One hooked consumers into repayment plans by mailing out solicitations disguised as new credit offers.