<prompt> Human: Ive been taking care of my credit lately. I owe 472 to capital one but when I log in to the site there is no where to pay. All it says is account is charged off what do I do?  <response>: Id call them when you can and see if they can take a payment directly. Charged off debts are sometimes heldauditedhandled differently. Its also possible they may have sold your debt to a collection agency. If they have, they should be able to inform you of that info when you speak with them. Hope this helps. 