Go to use my Capital One card to fill up on gas today. It gets declined. Very strange since I don't run my cards up to their limit.

Go home and open up the statement I just got in the mail today. I have a past due fee from last month of $35. Strange. I always pay my bills well ahead of their due date.

Go to my bank online to see what was going on with my check. Well there was no check. Capital One decided not to send me a statement for last month. Call up Capital One and get the autmated bastard who tells me my account is further suspended until I pay my min payment of this month. Can I talk to someone at 9pm? Nope, have to wait until tomorrow to talk to a "customer service representative".

First...is there any way I can get that fee taken off? This is the second time this has happened, but with another credit card. I have a history of NO late payments.

Second...if I just pay the fee, what sort of scar will this place on my credit?

All things considered, this is not what I need right now.