TIME Personal Finance

Capital One Wants To Visit You At Home

Bank's new credit card contract reserves the right to pay a "personal visit" to cardholders

“Hello, it’s Capital One, can I come in? I brought lemonade!”

That’s something credit card customers of the Capital One bank are worrying they might hear on their front doorsteps. The credit card issuer said in a recent contract update to cardholders that it can contact customers “in any manner we choose.”

That includes calls, emails, texts, faxes or a “personal visit,” reports the Los Angeles Times. The company has also reserved the right to suppress its caller ID and identify itself however it wants, a tactic known as spoof calling.

Capital One said that, despite the legal language, it doesn’t typically pay home visits to its customers. “Capital One does not visit our cardholders, nor do we send debt collectors to their homes or work,” the company spokeswoman said.

The bank told the L.A. Times it might occasionally “as a last resort” visit a customer’s home to repossess costly goods involved in credit promotions. But the spokesperson added that Capital One is “reviewing this language” in its contracts.


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