My first question is Can I use my debit Discover Card in Japan? Thanks in advance for any comment. Another question... Folks,.

I really need some help with this issue:.

I had an auto loan with North Fork bank with an auto debit from my bank account. Eventually North Fork got bought out by Capital One and they assumed the loan, and they continued to auto debit my bank account till the last month's payment was due. I was told that they don't debit the last month's payment automatically, and that I have to initiate the payment separately! There was a bit of delay in this process (about 15 days to a month), and I logged into the Capital One website and made the required payment. I then left the country for a month long vacation - I was expecting to receive my title in the mail from Capital One, but I didn't find that in the mail, so I called back and found out that I still owed them ~$11 and they had sent me a note by postal mail indicating that they will report me to the credit agencies for non-payment. I was bewildered as to how I owed them another ~$11 when their website had indicated that I had paid in full, upon which their customer service told me that this was accrued interest that their website was not up to date with! I paid up this amount and received my title in the mail shortly after that, BUT, when I checked my Equifax report, there was a negative entry due to Capital One..

This account is being reported under the "Negative Information" tab as closed, but it says that I make late payments (61 - 90 days late). The history of payments clearly shows that all my payments are on time expect for the last ~$11 payment!!! Capital One reported this to Equifax in May 2009..

I tried applying for a new Discover card yesterday, and it got denied due to this negative information on my record. I don't know how to get this rectified. I would really appreciate any help with this..

Thanks in advance,.

Jag..