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Credit card company won't work with you while you're going through financial hardship. I have been a Capital One XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. However, during the beginning of the XXXX pandemic in early XXXX, shutdowns and quarantines forced people to make hard decisions about financial obligations. I had had perfect payment history until XXXX and XXXX when I missed a payment ( one payment missed two months in a row, so " 60 days '' ) on my Capital One XXXX XXXX, as I was out of work due to an increasingly serious pandemic and had to choose between food/XXXX/credit obligations. Since that time, I have resumed my exceptional payment history without a single missed payment. Additionally, the credit cards acquired since that time