Credit Card Agreement for Helzberg Diamonds Cards in Capital One, N.A.
There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information shows
a range of terms that includes both mail and online offers for new accounts available under this Agreement as of December 31, 2013. The combination of terms
that could apply to you may differ depending on the specific card offer and on your creditworthiness at the time of application. The Customer Agreement contains
important information related to consumer credit cards issued by Capital One, N.A. If you are a current Capital One cardholder, please log in to your account if you
would like to request the Credit Card Agreement for your account(s).
CAPITAL ONE PRICING INFORMATION
Annual Percentage Rate
25.9%.
(APR) for Purchases
Penalty APR and When It
28.9%.
Applies
Your APR may increase to the Penalty APR if we fail to receive your minimum payment with in 60 days when due. You will no lon-
ger be eligible for the Standard Rate and all existing Promotional Credit Plans will terminate, and your entire Account balance will
be subject to the Penalty Rate. If your Account becomes subject to the Penalty APR, we will provide advance notice before the new
Penalty APR goes into effect. If you make the next six consecutive on time minimum payments starting with your first payment due
once the Penalty APR goes into effect, your rates will return to the non-penalty APR(s) applicable to your Account. If you do not
make these six consecutive on time minimum payments, we may keep the Penalty APR on your Account indefinitely.
How to Avoid Paying
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your
Interest on Purchases:
entire balance by the due date each month.
Minimum Interest Charge
A minimum Interest Charge of $2.00 will be assessed for each billing cycle in which an Interest Charge is payable.
Annual Fee
$0.
Transaction Fees
Balance Transfer Fee
None.
Cash Advance Fee
None.
Foreign Transaction Fee
None.
Penalty Fees
Late Payment
Up to $35.
Over the Credit Limit Fee
None.
Returned Payment
Up to $25.
Balance Computation Method: Average Daily Balance (including new purchases)
The "Daily Balance" of a Credit Plan is determined by taking the opening balance of the Credit Plan for that day, and adding 1) any new purchase made on the
Credit Plan that day, 2) the previous day's Interest Charges, 3) any credit insurance premiums or debt cancellation fees (if applicable) incurred on that day and 4)
any late fees, over the credit limit fees, returned payment fees or other fees incurred on that day and subtracting any payments or credit applied to the Credit Plan
that day. If your Account is subject to a grace period during the billing cycle, payments made during that cycle will be subtracted from all Daily Balances in the
current cycle.
Required Insurance, Debt Cancellation or Debt Suspension Coverage: None
Disclosure of Rates: The Daily Periodic Rate for the Standard Rate will be .07096% (corresponding 25.9% Annual Percentage Rate). The Daily Periodic Rate for
the Penalty Rate .07918% (corresponding 28.9% Annual Percentage Rate).
CAPITAL ONE® CUSTOMER AGREEMENT
How We Will Calculate Your Balance: We use a method called "average
OVER THE CREDIT LIMIT FEE
daily balance (including new purchases)".
This fee is shown in the table on page 1 and will be charged if:
your Account balance exceeds your credit limit at any time during a
Billing Rights: Information on your rights to dispute transactions and
billing cycle.
how to exercise those rights is provided in this Cardholder Agreement.
RETURNED PAYMENT FEE
You may pay the entire New Balance at any time.
This fee is shown in the table on page 1. It is charged each time a
NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital
check or other form of payment to us is returned or not honored.
property agreement, unilateral statement under Section 766.59 of
PAYMENT BY PHONE FEE
the Wisconsin Statutes, or court order under Section 766.70 of the
This fee:
Wisconsin Statutes adversely affects the interest of the creditor unless
may be charged each time anyone makes a payment to your
the creditor, prior to the time the credit is granted, is furnished a copy
Account with the assistance of a live phone representative; and
of the agreement, statement or decree or has actual knowledge of
the amount is disclosed at the time a payment by phone is requested.
the adverse provision when the obligation to the creditor is incurred.
If you are married, by submitting your credit card application you are
COPY REQUEST FEE
confirming that this credit card obligation is being incurred in the
A copy request fee may be charged each time a copy of a document is
interest of your marriage and your family. If the credit card for which
requested.
you are applying is granted, you will notify the Bank if you have a
spouse who needs to receive notification that credit has been extended
The fee amount will be disclosed at the time of your request.
to you.
REISSUED CARD FEE
CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT
You may be charged $5 each time you request that your credit card
be reissued.
You have been approved for a Helzberg Diamonds credit card. This
account is issued by Capital One, N.A. (Capital One).
MINIMUM PAYMENT DUE
You agree to pay us at least the Minimum Payment Due, reflected on
INTEREST RATES INFORMATION
your statement. If you wish, you may pay more than the Minimum
Annual Percentage Rate ("APR") and Daily Periodic Rate ("DPR").
Payment Due and at any time you may pay the entire amount due.
Your Daily Periodic Rate (DPR) is described in the INTEREST CHARGES
Your Minimum Payment due is equal to your Minimum Payment
section.
plus the Special Repayment Terms for any Promotional Credit Plans
with a special repayment term plus any debt cancellation fees or
Rates accurate as of 11/01/2013
credit insurance premiums attributable to any Reduced Rate/Special
Repayment Terms Credit plans plus any delinquent amounts. The
APR
DPR
Minimum Payment is the greater of a.) $25 or b.) 1% of your "New
Balance" (which does not include balances on Special Repayment
Standard APR
25.9%
.07096%
Terms Credit Plans) plus billed Interest Charges plus any Late Fees
Penalty APR
28.9%
assessed for that month, rounded to the next highest dollar. Your
.07918%
monthly billing statement will include requirements for you to
follow in making payments including the cut-off hour for receipt of
ABOUT THE PENALTY APR
payments, which may affect crediting of your payments.
If you do not make your Minimum Payment Due within 60 days after
the Payment due date we may increase your APRs to the Penalty APR.
INTRODUCTION
If this occurs:
KEY TERMS
we will provide advance notice before the Penalty APR goes into
"You" and "your" means each Applicant and Joint Applicant who:
effect.
applied for this Account bearing the name Helzberg Diamonds; and/
once the Penalty APR goes into effect, if you make six consecutive
or
on-time minimum payments when due, your rates will return to the
agrees to pay for the Account.
non-penalty APRs applicable to your Account.
If you do not make six consecutive on time minimum payments, we
"We," "us," and "our" means Capital One, N.A., located at 1111 Town
may keep the Penalty APR on your Account indefinitely.
Center Drive, Las Vegas, Nevada 89144.
ABOUT INTEREST CHARGES
"Applicant" means the primary Cardholder. "Joint Applicant" means
the secondary Cardholder.
TREATMENT OF FEES AND INTEREST
Any fees or Interest will be added to your purchase balance unless
"Agreement" means all parts of this document and any future
otherwise stated in this Agreement.
supplements or amendments.
MINIMUM INTEREST CHARGE
"Card" means any card, card number or other device we issue to
If you are charged Interest, the charge will be no less than the
access your Account.
Minimum Interest Charge listed in the chart.
GETTING STARTED
The Card must be signed to be used.
ABOUT ACCOUNT FEES & OTHER CHARGES
When you use the Account or sign the card or sales slips, you agree to:
FEES AND LIMITS
the terms of this Agreement; plus
The fees that apply to your Account are shown in the purchase balance
any amendments or supplements to the Agreement.
unless otherwise stated in this Agreement.
You may close your Account at any time. Please see the Closing Your
If charging any fee shown in the chart would exceed first-year fee
Account section for details.
limits set by law, we may charge an amount allowed by law. If we do
this, it does not affect our ability to charge the full fee amount later.
USING YOUR ACCOUNT
LATE PAYMENT FEE
ALLOWED USE
This fee is charged in any billing cycle that you do not pay at least the
You agree to:
Minimum Payment Due by the Payment Due Date.
use your Account only for lawful purposes
use your Account for only personal, family, household, or charitable
Your Late Payment Fee is $25 for the first occurrence and $35 for
purposes; and
additional occurrences during the next six billing cycles. In no event will
repay us for all costs related to uses not allowed under this Agreement.
your Late Payment Fee exceed the Minimum Payment Due.
You are not allowed to use your Account:
store the good; and/or
to make payments to this credit card or any other loan payments to
sell the good; and/or
us or our affiliates; or
other costs allowed by law.
for internet gambling.
WHEN AND HOW TO PAY
If you have given someone permission to use the Card, this is not
You agree to:
unauthorized use and you will be liable for all use by that person.
pay at least the Minimum Payment Due shown on your billing
statement; and
CREDIT LIMIT
make this payment in time to be credited by no later than the
When you open your Account, we will tell you your credit limit.
Payment Due Date.
We may change this limit from time to time. Whenever this occurs, we
How your Minimum Payment Due is determined as shown in the
will notify you:
MINIMUM PAYMENT DUE section.
on your billing statement; and/or
by sending a notice.
If you wish, you may pay more than the Minimum Payment Due or the
entire balance at any time.
You agree to:
keep your Account balance (which includes Interest and other
Instructions for making timely payments are shown on your billing
charges) within your credit limit; and
statement.
immediately pay any over limit amount that might occur.
Payments must be:
Your available credit may not reflect your payments for up to 14 days.
made in U.S. dollars; and
If a transaction would exceed your available credit limit, we may
paid from a U.S. bank or other U.S. financial institution; and
decline it.
sent in a form that is acceptable to us.
USING THE ACCOUNT
Acceptable forms of payment include:
At times we may:
a check or money order; or
decline a transaction if there is not enough available credit and for
an electronic funds transfer
any other reason and/or;
require our Authorization before allowing a transaction.
If you want to write any special conditions on your payment, such as
"paid in full", "without recourse", or similar language, you must:
A merchant may check your ID.
Mark this clearly on your payment.
- Payment must be marked for Special Handling and sent to:
We are not liable if:
Capital One, PO Box 5226, Carol Stream, IL 60197-5226.
a merchant refuses your card; and/or
we do not complete your transaction for any reason.
Unless you follow the above directions, we may accept a payment
marked with special conditions and not agree to those conditions, and
PAYING YOUR BILL
will not lose any of our rights.
PROMISE TO PAY
By sending us a check for payment on your Account, you authorize us
either to:
You promise to pay for all:
use information from your check to initiate an electronic fund
credit we extend; plus
transfer from your payment account according to the terms of the
Interest charges and other fees or charges; plus
check; or
collection costs and attorney fees as allowed by law.
to process this transaction as a check.
If your Account is a joint Account, each of you is jointly and individually
When we use your check to make an electronic fund transfer:
responsible for amounts due. This remains true in the event of death, divorce
funds may be withdrawn from your payment account the same day
or other events that affect liability between you and the other person.
we receive your payment; and
If any joint Accountholder requests to not be liable for future
you will not receive your check back from your bank.
transactions, we may close the Account.
When you use our optional payment by phone service, you agree that:
SECURITY INTEREST
we may make an electronic funds transfer from the bank account
A "Security Interest" is our interest in an item that you buy using your
you choose; or
Account that secures the payment of your Account.
we may process the payment the same way we would process a check.
Except as noted below, you grant us a security interest (which we may or
You authorize the amount and timing of each payment. Please retain
may not perfect) in the following items financed using your Account:
this authorization for your records.
any goods you buy with your Card; and
If you have a returned payment:
any proceeds you get from the following:
the amount you paid will be added back to your Account and
a) insurance contracts, and returned premiums: and/or
may be applied to a different category than originally posted. (e.g.
b) mechanical failures and/or
purchases, etc.); and
c) extended service contracts.
Interest Charges may be restored back to the payment date at the
APR for that transaction.
Each good you buy using your Account:
secures your entire Account balance until that good is paid in full; and
may be taken from you if you do not pay on time.
ACCOUNT FEES AND OTHER INTEREST RATES
To decide when a purchase is paid off and no longer subject to a
ABOUT YOUR APRs
security interest, your payments will be first applied to: described in the
Your APRs are shown on page 1.
"How We Apply Payments" section of this agreement.
A Daily Periodic Rate is used to determine your Interest Charges in any billing
cycle. To determine this rate, we divide your APR by 365; then round this
Once you have fully paid for any good, we will release our purchase
number up to the next hundred thousandth of a percentage point.
money security interest in that good.
PROMOTIONAL CREDIT PLANS
We do not take a security interest if you:
From time to time, we may offer one or more Promotional Credit
live in NY and the original purchase price of the good was less than $200 or
Plans. These may be offered to you:
live in MD and the original purchase price of the good was less than $700.
prior to your purchase; and/or
If we take back any good, we may charge you our costs and require
at the time of your purchase.
you to make the good available at a convenient place of our choice as
Any of these Plans may be offered at any time and are conditioned on
allowed by law. This may include our cost to:
your timely payment of at least the Minimum Payment Due for each
repair the good; and/or
billing statement:
a) Waived Interest Charge Credit Plan
To calculate your Average Daily Balance, we:
With this Plan there are no Interest Charges on your purchase for a
add the Daily Balances for each day of the billing cycle; then
specified period.
divide this total by the number of days in the billing cycle.
b) Same As Cash / Monthly Payment Credit Plan
With this Plan, there are no Interest Charges on your purchase if
HOW TO AVOID PAYING INTEREST ON PURCHASES
you repay the full cash price of the purchase before the promotional
The number of days until your Payment Due Date after the close
expiration date shown on your billing statement.
of each billing cycle is indicated in the Interest Rates and Interest
If you do not repay in full by the promotional expiration date, Interest
Charges section of this Agreement. We will not charge you Interest on
Charges will be imposed from the purchase date.
purchases if you pay your entire balance by the due date each month.
c) Reduced Rate Credit Plan
Interest charges begin on the transaction date and continue to accrue
With this Plan, you will receive a reduced periodic rate on your
until paid in full except as noted below:
purchase for a specified period.
d) Special Repayment Term Credit Plan
EXCEPTIONS
With this Plan special repayment terms will be applied to the purchase
1. For New Purchases and balances: No interest is charged in a billing cycle on
for the specified period.
a Regular, Reduced Rate, or Special Repayment Terms Credit Plans if the
e) Special Repayment Term / Reduced Rate Credit Plan
combined Previous Balance of those Plans at the beginning of the cycle is:
With this Plan special repayment terms and a reduced periodic rate will
a) zero; or
be applied to the purchase for the specified period.
b) a credit balance (e.g., less than zero); or
c) paid in full before the Payment Due Date that falls during the cycle;
Purchases that do not fall under one of these Plans are called Regular
2. For Waived Interest Charge Credit Plans: No interest is charged for the
Credit Plan purchases.
promotional period.
If you make more than one purchase on your card, these balances may
3. For Same As Cash Credit Plans: No interest is charged if the full cash
be treated differently.
sales price is paid in full before the promotion expiration date.
Certain rules apply to the allocation of payments and interest charges
HOW WE APPLY PAYMENTS
on your promotional purchase if you make more than one purchase on
The amount of your payment that is equal to the Minimum Payment
your Card. Call 1-888-367-4310 or review the HOW WE APPLY PAYMENTS
Due is:
section of this Agreement for information.
applied as we determine within legal guidelines; and
usually applied to the minimum due on each credit plan.
INTEREST CHARGES
Any payment amount over the Minimum Payment Due is applied to
HOW INTEREST CHARGES ARE CALCULATED
higher APR balances before lower ones.
Each billing statement shows the Interest Charges, which are
If you have a Same As Cash Credit Plan(s):
calculated separately for each:
Until the final two complete billing cycles:
Promotional Credit Plan with a unique due date or unique terms;
We apply payments the same way we apply payments to a Same As
Regular Credit Plan
Cash Credit Plan having a 0% APR
The total interest charge for the billing cycle is the sum of the interest
During the final two complete billing cycles and up to the date of
charge for each plan subject to the minimum interest charge shown in
expiration we will apply payments received in this order:
the chart.
1) To the required Minimum Payment Due; and
2) To the plan(s) that is expiring, in the order of expiration.
For Same As Cash Plans, if interest is applied, the interest is accrued
MANAGING YOUR ACCOUNT
from the transaction date of the purchase through the current cycle.
The Interest Charge is the total of:
OTHER USERS
the applicable Daily Periodic Rate for the current cycle times the Daily
You may permit others to use your Card or Account Number.
Balance for each day in the current cycle; plus
the applicable Daily Periodic Rate for each prior cycle times the Daily
You are responsible for all charges made by permitted users.
Balances of the Credit Plan for each day during each prior cycle.
If you wish to revoke another person's permission to use your Account,
For Plans other than Same As Cash, the interest charge is the total of:
you must notify us. We may close your Account and issue a new Card
the applicable Daily Periodic Rate for the Plan times the Daily Balance
with a different Account number.
for the plan for each day in the cycle.
UPDATING YOUR RECORDS
HOW DAILY BALANCE IS DETERMINED
You agree:
To determine your Daily Balance, we:
a) to give us prompt advance notice of any change in your name,
take the opening balance for each Plan for that day; then
mailing address, phone number, or employer;
add the following that were incurred on that day:
b) to promptly give us accurate financial information about you if we
a) any new purchases
ask for it; and
b) any previous day's periodic Interest Charges
c) the Department of Motor Vehicles may release your home address
c) any fees and charges, including any credit insurance premiums or
to us if we ever need it to find you.
debt cancellation fees, if these apply; then
CLOSING YOUR ACCOUNT
subtract any payments and/or credits.
You can close your account at any time by mailing your request to
For any Same As Cash Credit Plan:
Capital One, PO Box 5226, Carol Stream, IL 60197-5226.
Any credit insurance premiums or debt cancellation fees are not
Your request becomes effective when we receive it.
included in the Daily Balance of that Plan during the promotional period.
Once you close the Account:
We also make any needed adjustments. For example:
you must destroy your card(s); and
If a transaction posts after but occurs before the start of a billing cycle,
you will still be responsible for all amounts owed according to the
we may adjust the amount above to include this transaction. It will be
terms of this Agreement.
included as of the first day of the billing cycle in which it posts.
If your Account is subject to a grace period during the billing cycle,
PROTECTING YOUR CREDIT
your payments will be subtracted from all Daily Balances in the
current billing cycle.
LOST OR STOLEN CARD
If a transaction for a returned payment or a dispute resolved in our
You agree to notify us immediately if:
favor posts after the beginning of the billing cycle, we will make this
your Card is lost or stolen; or
adjustment:
your Account is used without your permission.
the applicable Daily Balance(s) and any related Interest Charges will
be adjusted to include the transaction amount as of the date of
You may call at any time. The phone number is listed on your billing
the original payment or transaction.
statement.
LIABILITY FOR UNAUTHORIZED USE
COMMUNICATIONS
If you notice the loss or theft of your credit card, or a possible unauthorized
We may contact you from time to time regarding your Account. We
use of your card, you should call us at the number listed on your billing
may contact you in any manner we choose unless the law says that we
statement or the back of your card, or write to us immediately at:
cannot. For example, we may:
1) contact you by mail, telephone, email, fax, recorded message, text
Capital One
message or personal visit;
PO Box 5226, Carol Stream, IL 60197-5226
2) contact you using an automated dialing or similar device
You will not be liable for any unauthorized use that occurs after you
("Autodialer");
notify us. You may, however, be liable for unauthorized use that occurs
3) contact you at your home and at your place of employment;
before your notice to us. In any case, your liability will not exceed $50.
4) contact you on your mobile telephone;
5) contact you at any time, including weekends and holidays;
DEFAULT
6) contact you with any frequency;
We may consider your Account to be in Default if you:
7) leave prerecorded and other messages on your answering machine/
a) fail to make the Minimum Payment Due when due;
service and with others; and
b) exceed your credit limit;
8) identify ourselves, your relationship with us and our purpose for
c) become the subject of bankruptcy proceedings, foreclosure,
contacting you even if others might hear or read it.
repossession, lien or judgment, garnishment, or attachment;
d) give us misleading, false or incomplete information;
Our contacts with you about your Account are not unsolicited and
e) fail to give us a current physical address when you apply and
might result from information we obtain from you or others. We
whenever you move;
may monitor or record any conversation or other communication
f) make payments to us that are returned unpaid by your bank or other
with you. Unless the law says we cannot, we may modify or suppress
financial institution; or
caller ID and similar services and identify ourselves on these services in
g) default under any other agreement or security agreement you have
any manner we choose. When you give us or we obtain your mobile
with us or with one of our affiliates; and/or
telephone number, we may contact you at this number using an
h) become incompetent or deceased.
Autodialer and can also leave prerecorded and other messages. We
may do these things whether we contact you or you contact us.
Upon default, we have the right to:
close your Account;
If you ask us to discuss your Account with someone else, you must
suspend your credit privileges;
provide us with documents that we ask for and that are acceptable to us.
require you to pay your entire Account balance including any
CHANGE OF TERMS
Promotional Credit Plan balances, all accrued but unpaid Interest
We may change this Agreement as allowed by applicable law. This may
Charges and other charges provided for in this Agreement
include changing, adding, or removing terms. We may do this in response
immediately;
to the legal, business, competitive environment or other reasons not
terminate any Promotional Credit Plans and convert balances to a
listed here.
Regular Credit Plan;
change the terms of your Account;
We may increase the Interest rate on existing balances in limited
sue you for what you owe.
circumstances. Changes to some terms may require at least 45 days
advance notice, and we will tell you in the notice if you have the right to
If we incur costs to collect your balance owed including any attorney
reject a change. We cannot change certain terms during the first year of
fees, we may charge you for these costs as permitted by applicable
your Account.
law, and we will apply your payments first to these costs.
ACCOUNT ASSIGNMENT
CREDIT REPORTING
We may sell, assign or transfer all or any part of your Agreement and
You agree that we may obtain and use credit information about you
from others such as:
Account without notice to you. You may not sell, assign or transfer
your Account.
merchants or stores;
other lenders;
WAIVERS
consumer reporting agencies.
If we delay or take no action allowed under this Agreement, for any
reason, we will not lose or limit any of our rights under this Agreement
If you believe we have reported inaccurate information about your
on any other occasion.
Account to any consumer reporting agency you should:
notify us and ask us to correct the inaccurate information by writing
SEVERABILITY
to us at Capital One, PO Box 5253, Carol Stream, IL 60197-5253.
If a term is found to be invalid under any applicable law, rule or
regulation, then all other terms of this Agreement will remain valid.
When you write to us, tell us:
your Account number; and
NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we
the specific information you believe is not correct; and
inform customers that should they fail to fulfill the terms of their credit
why you believe it is not correct.
obligation, a negative report reflecting on their credit record may be
submitted to a credit reporting agency. If you are married, you may
INSURANCE
apply for credit in your own name.
If credit insurance was offered and your accepted it: You agree that
your Account will be charged monthly; this charge, which is called an
NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we
insurance premium, will be based on the Average Daily Balances of your
obtain a judgment against you, a portion of your disposable earnings
Account for the billing cycle in which the premium is assessed; and the
may be attached or garnished (paid to us by your employer), as provided
charges will begin on the transaction date(s) of your purchase(s).
by Florida and Federal law.
OTHER AGREEMENTS
NOTICE FOR MAINE RESIDENTS: We may request a consumer report in
connection with your application for credit. You may ask whether a
ACCOUNT CLOSURE
consumer report was obtained by us and we will tell you the name and
At any time, for any reason, we may take any of these actions subject
address of the consumer reporting agency, if a report was obtained.
to applicable law:
a) close your Account;
Missouri Residents: Oral agreements or commitments to loan
b) suspend your credit privileges;
money, extend credit or to forbear from enforcing repayment of
c) reduce your credit limit.
a debt including promises to extend or renew such debt are not
If we close your Account:
enforceable. To protect you (borrower(s)) and us (creditor) from
Interest Charges and fees will continue to accrue until your balance
misunderstanding or disappointment, any agreements we reach
is paid in full; and
covering such matters are contained in this writing, which is the
you agree to return or destroy your Card(s).
complete and exclusive statement of the agreement between us,
except as we may later agree in writing to modify it.
NOTICE FOR NEW YORK RESIDENTS: A consumer credit report may be
We can apply any unpaid amount against your credit limit.
requested in connection with this application or in connection with
updates, renewals or extensions of any credit granted as a result of
After we finish our investigation, one of two things will happen:
this application. Upon your request, you will be informed whether or
If we made a mistake: You will not have to pay the amount in
not such a report was requested and, if so, the name and address of
question or any interest or other fees related to that amount.
the agency that furnished the report. New York residents may contact
If we do not believe there was a mistake: You will have to pay the
the New York State Department of Financial Services to obtain a
amount in question, along with applicable interest and fees. We will
comparative listing of credit card rates, fees and grace periods. New
send you a statement of the amount you owe and the date payment
York State Department of Financial Services: 1-800-522-3330.
is due. We may then report you as delinquent if you do not pay the
amount we think you owe.
NOTICE FOR OHIO RESIDENTS: The Ohio Laws against discrimination
require that all creditors make credit equally available to all
If you receive our explanation but still believe your bill is wrong, you
creditworthy customers and that credit reporting agencies maintain
must write to us within 10 days telling us that you still refuse to pay. If
separate credit histories on each individual upon request. The Ohio
you do so, we cannot report you as delinquent without also reporting
Civil Rights Commission administers compliance with this law.
that you are questioning your bill. We must tell you the name of
anyone to whom we reported you as delinquent, and we must let those
NOTICE FOR VERMONT RESIDENTS: A consumer credit report may be
organizations know when the matter has been settled between us.
requested in connection with this application or in connection with
updates, renewals or extensions of any credit granted as a result of this
If we do not follow all of the rules above, you do not have to pay the
application. Upon your request, you will be informed whether or not
first $50 of the amount you question even if your bill is correct.
such a report was requested and, if so, the name and address of the
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
agency that furnished the report.
If you are dissatisfied with the goods or services that you have
The information about the costs of the Card described in this Cardholder
purchased with your credit card, and you have tried in good faith to
Agreement and Disclosure Statement is accurate as of November, 2013. This
correct the problem with the merchant, you may have the right not to
information may have changed after that date. To find out what may have
pay the remaining amount due on the purchase.
changed write to us at 1111 Town Center Drive, Las Vegas, Nevada 89144.
To use this right, all of the following must be true:
APPLICABLE LAWS
1. You must have used your credit card for the purchase. Purchases
This Agreement is governed by the Commonwealth of Virginia law and
made with cash advances from an ATM or with a check that
federal law.
accesses your credit card account do not qualify.
We make our credit decisions and extend credit to you under this
2. You must not yet have fully paid for the purchase.
Agreement from the Commonwealth of Virginia. This Agreement is:
If all of the criteria above are met and you are still dissatisfied with the
entered into in the Commonwealth of Virginia; and
purchase, contact us in writing at:
maintained in the Commonwealth of Virginia.
Capital One
This is true whether or not you use your card in the Commonwealth of
PO Box 5893, Carol Stream, IL 60197-5893
Virginia.
While we investigate, the same rules apply to the disputed amount as
Your Billing Rights: Keep This Document For Future Use
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not
This notice tells you about your rights and our responsibilities under
pay, we may report you as delinquent.
the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
BR251782 (11/13) M-110154
If you think there is an error on your statement, write to us at:
Capital One
PO Box 5893, Carol Stream, IL 60197-5893
In your letter, give us the following information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill,
describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled,
if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us,
but if you do we are not required to investigate any potential errors
and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we
received your letter. We will also tell you if we have already corrected
the error.
2. Within 90 days of receiving your letter, we must either correct the
error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question, or report you as
delinquent on that amount.
The charge in question may remain on your statement, and we may
continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.