<prompt> Human: Hey rpersonalfinance. I actually found this sub via the random button, and I feel like Ive struck gold.Anyways, I received my first CC from Capital One in 2008 I think, and I only have had one. I was very stupid with my spending habits and maxed it out to the limit. I currently have controlled my spending habits throughout the years, and I am getting better at it. However, when the card expired I think in 2013, I have never received my replacement card. I never really thought about it since I did not want to have the temptation of using it. But I have called Capital One and emailed them, but nothing ever came. So I have a few questions: I still have a balance on the card of 600 or so almost paid it all off. When I do pay all of it, should I still keep the account open since Capital One seems to not care about sending me a new card? Is it possible to transfer the account to another type of credit card? I would prefer to stay with Capital One, but if that isnt an option, I can live with it. Do I really need a credit card? This is off my original topic, but I began thinking. I am about to start a full-time job super excited! at the beginning of July. Im working there part-time for now, but Im being put on salary July 1st. I want to begin planning for the future new car, moving out, marriage, etc., but I want to take it one step at a time. What would be a good route to take for this? I see people talking about bonds and funds, but I really dont understand many things about the financial world. Thanks for all your help!Edit: Thanks for all of your answers! I will be giving them a call soon again and hopefully send me a new one. I probably did end up throwing it away...And I will read the wiki thoroughly this weekend. Again, thanks for your help and advice!  <response>: It depends if your account status is still normal. If the account has been revoked due to missed minimums then you wouldnt be able to get a new card. Definitely call them and ask whats up, it should be very easy for them to send a new card out if the account is still open. 