Credit Card Agreement for Bombardier 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 September 30, 2016. 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
(APR) for Purchases 

23.24%. 

This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying 
Interest on Purchases: 

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 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 
None. 
• Balance Transfer Fee 
• Cash Advance Fee 
None. 
• Foreign Transaction Fee  None. 

Penalty Fees 
• Late Payment
• Over the Credit Limit Fee 
• Returned Payment 

Up to $35.
None. 
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 which is used to determine your Interest Charges and the corresponding Annual
Percentage Rate, will be variable rates which may change monthly. The Daily Periodic Rate will be one-three hundred sixty fifth
of the sum of the U.S. prime rate published in Money Rates table of The Wall Street Journal that is in effect on the last day of
the month. (“Prime Rate”), plus a “Spread” of 19.74 percentage points for the Standard Rate. Any changes in the Prime Rate will
take effect on the first day of your billing cycle beginning in the next month. 

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Capital One®  Customer Agreement 
Welcome to Capital One
This credit card is issued by Capital One, N.A. and may be
used at participating retail locations that accept the Card. 
This Customer Agreement, including any changes to it 
(“Agreement”), contains the terms of your agreement with
Capital One. 
Definitions 
The meanings of the terms you see in italics appear in the
Glossary section at the end of this Agreement. 
As used here, “you” and “your” mean each applicant and co-
applicant for the Account; any person responsible for paying
the Account; and any person responsible for complying with
this Agreement. “We”, “us”, “our” and “Capital One” mean
Capital One, National Association and its agents, authorized
representatives, successors and assignees. 
Account Documents 
The following documents govern your Account with us: 
(1) this Agreement;
(2) all Statements; 
(3) any privacy notices;
(4) all disclosures and materials provided to you before or

when you opened your Account; 

(5) any other documents and disclosures relating to your

Account, including those provided online; and
(6) any future changes we make to any of the above. 
Please read these carefully and keep them for
future reference. 
New Offers 
In the future, we may provide you with new offers that we 
think may interest you. The terms of these offers may differ 
from the standard terms on your Account. This Agreement 
will still apply. 
Account Information 
We need information about you to manage your Account. 
This includes: 
(1) your legal name,
(2) a valid U.S. mailing address and residential address (if

different),

(3) your date of birth,
(4) your Social Security number or other government

identification number, 

(5) your telephone number(s), and
(6) your employment and income information. 
You must tell us when this information changes. We may 
ask you for additional documents to verify any changes. We 
may restrict or close your Account if we cannot verify your
information, or if you do not provide it as requested. 
Credit Limits 
When you open your Account, we will tell you your credit
limit. This will also appear on your Statement. We may also 
refer to your credit limit as your credit line. 
You are responsible for keeping track of your balance and
your available credit. You must manage your Account to 
remain below your credit limit. We may honor transactions
above your credit limit, but if we do, these transactions will
not increase your credit limit. You are responsible for paying
for any transaction you make above your credit limit. 
We may also increase, decrease, restrict or cancel your 
credit limit at any time. This will not affect your obligation to 
pay us. 

Using Your Account
(1) This Agreement applies whether or not you use your 

Card or Account. It will continue to apply even after your
Account is closed, as long as you have a balance.
(2) You must sign the Card immediately when you receive it.
(3) You must return the Card to us or destroy it if we ask 

you to.

(4) You must take reasonable steps to prevent the 
unauthorized use of your Card and Account. 
(5) We may decline to authorize a transaction for any 

reason. This may occur even if the transaction would 
not cause you to go over your credit limit or your
Account is not in default. 

(6) We are not responsible for any losses you incur if we do 

not authorize a transaction. 

(7) We are not responsible for any losses you incur if 

anyone refuses to accept your Card for any reason.
(8) You must not use, or try to use, the Card for any illegal
activity. You are responsible for any charges if you do.
(9) We are not liable for any losses that may result when 
our services are unavailable due to reasons beyond
our control. 

Promotional Credit Plans 
From time to time, we may offer one or more promotional 
Credit Plans prior to or at the time of your purchase.
Only certain purchases may be eligible for promotional
Credit Plans. The amount of your credit limit available for 
promotional Credit Plans may be limited. These plans may 
have special repayment terms and are conditioned on your
timely payment of at least the required payment amount
each Billing Cycle: 
(1) Waived Interest Charge Credit Plan - With this plan,
there are no Interest Charges on your purchase for a
specified period. 

(2) Reduced Rate Credit Plan - With this plan, you will

receive a reduced Annual Percentage Rate (APR) on 
your purchase for a specified period. 

Security Interest
As security for the payment of your Account balance, you
grant us a purchase money security interest (Security
Interest) in the following items financed using your Account: 
(1) any goods you buy using your Account; and 
(2) all insurance contracts and proceeds, returned

premiums, mechanical failure and extended service
contracts and refunds of charges for mechanical failure
and extended service contracts. 
Each good you buy using your Account: 
(1) secures your entire Account balance and any other

amounts owed under this Agreement; and 

(2) may be taken from you if you do not pay on time or

are otherwise in default as described in the Account 
Default section of this Agreement. 

To decide when a good is paid in full and no longer subject 
to a Security Interest, your payments will be applied as
described in the How We Apply Your Payments section of 
this Agreement. Once you have fully paid for any good, we 
will release our Security Interest in that good. 
If we take or attempt to take possession of any good, we
may charge you our costs and may require you to make
the good available at a convenient place of our choice as
allowed by law. Our costs may be related to: 
(1) attempting to or repossessing the good;
(2) repairing the good;
(3) storing the good; 

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(4) selling the good; or
(5) any other costs allowed by law. 
Authorized Users 
If you ask us to issue a Card to any other person, they are 
an Authorized User. We may require certain information 
about them. We may limit their ability to use your Card. 
They may have access to certain information about your
Account. You will be responsible for their use of the 
Account and anyone else they allow to use your Account, 
even if you did not want, or agree to, that use. 
Removing an Authorized User
If you want to remove an Authorized User from your
Account, you must contact Customer Service and request
their removal. You also must immediately destroy all Cards 
in their possession and cancel any arrangements they may
have set up on your Account. They will be able to use your
Account until you have notified us that you are removing
them from your Account. During this time, you will still be
responsible for all amounts they charge to your Account. 
You will be responsible even if these amounts do not 
appear on your Account until later. 
Authorized Users may remove themselves from your
Account upon request. We reserve the right to remove 
them from your Account for any reason. To remove them 
from your Account, we may close your existing Account 
and issue a new Card with a new Account number. 
Your Promise to Pay
You promise to pay us all amounts due on your Account. 
This includes amounts where you did not sign a purchase
slip or other documents for the transaction. We will treat 
transactions made without presenting your actual Card 
(such as for mail, telephone, Internet or mobile device
purchases) the same as if you used the Card in person. If
you let someone else use your Card, you are responsible
for all transactions that person makes. 
Statements 
We will generally send or make available to you one 
Statement for all Cards on your Account at the end of each 
Billing Cycle. Under certain circumstances, the law may not
require us to send or make available to you a Statement, or 
may prohibit us from doing so. 
Disputed Transactions
You must inspect each Statement you receive. Tell us 
about any errors or questions you have, as described in
the “Billing Rights Summary” on your Statement and other 
Truth-in-Lending Disclosures. If you do not notify us of an
error, we will assume that all information on the Statement 
is correct. 
If we credit your Account for all or part of a disputed
transaction, you give us all of your rights against others
regarding that transaction. You will also: 
(1) give us any information about the disputed transaction,

if we ask; 

(2) not pursue any claim or reimbursement of the

transaction amount from the merchant or any other
person; and

(3) help us get reimbursement from others. 
No Warranties 
We are not responsible for any claim you may have 
regarding the purchase of goods or services made with 
your Card beyond your rights described in the “Billing
Rights Summary” on your Statement. 
Lost or Stolen Card 
If your Card is lost or stolen or if you think someone else 

may be using your Card or Account number without 
your permission, you must contact Customer Service
immediately. You will not be responsible for transactions on 
your Account that we find are unauthorized. 
If we reimburse you for unauthorized transactions, you will
help us investigate, pursue and get reimbursement from
the wrongdoer. Your help includes giving us documents in a 
form that we request. 
Interest Charges and Fees
We will charge Interest Charges and Fees to your Account 
as disclosed on your Statement and other Truth-in-Lending 
Disclosures. In general, Interest Charges begin to accrue
from the date of a purchase. However, we will not charge 
you interest on any new purchases posted to your Account 
if you paid the total balance of your Account in full by the
due date on your Statement each month. 
If you have a Waived Interest Charge or Reduced Rate 
Credit Plan balance and the promotional period does not
expire before your payment due date, we will exclude that
promotional plan balance from the amount you must pay
in full to avoid Interest Charges. However, you must still 
make any required payment on that excluded promotional
balance. 
We will generally treat Fees as purchase transactions
unless otherwise specified below. These Fees apply to your
Account only if your Truth-in-Lending Disclosures provide for
them. We may increase your Interest Charges and Fees as 
described in the Changes to Your Agreement section or in 
your Truth-in-Lending Disclosures. 
Late Payment Fee
We may charge you this Fee if we do not receive your
payment as instructed on your Statement by the payment
due date. 
Returned Payment Fee
We may charge you this Fee each time your financial
institution for any reason rejects a payment you make to us. 
Minimum Payment
You must pay us at least the minimum payment due by the 
payment due date. The minimum payment for your Account 
includes the minimum payment due on each Credit Plan. 
Your Statement will tell you: 
(1) the minimum payment due,
(2) your new balance,
(3) the payment due date and
(4) an explanation of when the payment must reach us for

us to consider it received as of that date. 

Returns and other credits to your Account will reduce your
Account balance, but they will not change your minimum 
payment amount. 
In addition to the minimum payment, you may pay all or
part of the total balance on your Account. But, you must still
pay at least the minimum payment amount each month,
even if you paid more than the minimum payment due on
the previous Statement. We will continue to charge Interest 
Charges during Billing Cycles when you carry a balance
regardless of whether your Statement includes a minimum 
payment that is due. If your Account is 180 days past due, is
part of a bankruptcy proceeding, or is otherwise charged off,
the total balance is immediately due and payable. 
Making Payments
Your payment must be made in U.S. dollars from a U.S. 
deposit account in a form acceptable to us. We do not 
accept cash payments through the mail. You may not make 
payments with funds from your Account or any other credit 

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account with us or any other company in the Capital One
organization. You must send mailed payments to us as 
instructed on your Statement, unless we tell you otherwise. 
Other Payment Services
We may make services available that allow you to make 
faster or recurring payments online or by telephone. We 
will describe the terms for using these services and any
applicable Fee before you use them. You do not have to 
use these other payment services. 
We are not responsible if your financial institution rejects a 
payment made using our payment services. 
If you ask someone else to make a payment for you, we
may provide that person with limited Account information 
necessary to set up and process that payment. We may 
also refuse to accept that payment. If we do accept it, you
will be responsible for that payment even if a financial
institution rejects it. 
Payment Processing
We may accept and process payments without losing any 
of our rights. We may delay the availability of credit until we 
confirm that your payment has cleared. This may happen 
even if we credit your payment to your Account. We may 
resubmit and collect returned payments electronically. If 
necessary, we may adjust your Account to correct errors, 
process returned and reversed payments and handle
similar issues. 
When you send us an Item as payment, you authorize
us to make a one-time electronic fund transfer from your
deposit account. You also authorize us to process the 
payment as an Item. We may withdraw the funds from 
your deposit account as early as the same day we receive
your payment. You will not receive your Item back from 
your bank. We will provide additional information about this 
process on your Statement. 
We may use the information from an Item to create an 
electronic image. We may collect and return the image 
electronically. This electronic image may also be converted 
to a substitute check and may be processed in the same
way we would process an Item. We will not be responsible 
if an Item you provide has physical features that when
imaged result in it not being processed as you intended. 
How We Apply Your Payments
In each Billing Cycle, we generally apply payments up to
your minimum payment amount to satisfy the minimum
payment due on each Credit Plan, first to the lowest APR 
Credit Plan balance and then to higher APR Credit Plan 
balances. We apply any part of your payment exceeding 
your minimum payment to the balance with the highest
APR, and then to balances with lower APRs. We do this 
based on the APRs in effect and balances owed on the day 
your preceding Billing Cycle ended. 
Items with Restrictive Words, Conditions, 
or Instructions 
You must mail all Items bearing restrictive words,
conditions, limitations or special instructions to: 
Capital One
PO Box 1330 
Charlotte, NC 28201-1330 
This includes Items marked “Paid in Full” or similar 
language. This also includes all accompanying 
communications. 
If you make such a payment or send any accompanying
communications to any other address, we may reject it
and return it to you. We may also accept it and process it 
without losing any of our rights. 

Credit Balances 
We may reject and return any payment that creates or adds 
to a credit balance on your Account. Any credit balance 
we allow will not be available until we confirm that your
payment has cleared. We may reduce the amount of any 
credit balance by any new charges. You may write to the 
address provided on your Statement or call Customer 
Service to request a refund of any available credit balance. 
Account Default 
You will be in default if: 
(1) you do not make any payment when it is due;
(2) any payment you make is rejected, not paid or cannot

be processed;

(3) you exceed a credit limit;
(4) you file or become the subject of a bankruptcy or

insolvency proceeding;

(5) you are unable or unwilling to repay your obligations,
including upon death or legally declared incapacity;
(6) we determine that you made a false, incomplete or

misleading statement to us, or you otherwise tried to
defraud us; or 

(7) you do not comply with any term of this Agreement or 

any other agreement with us. 

If you are in default, we may take certain actions with 
respect to your Account. For example, depending on the
default, we may take the following actions, without notifying
you, unless the law says that we must give you notice: 
(1) charge you Fees, or change the APRs and Fees on 
your Account, if provided in your Truth-in-Lending 
Disclosures; 

(2) close or suspend your Account; 
(3) lower your credit limit(s);
(4) demand that you immediately pay the total balance

owing on your Account; 

(5) exercise our rights as a secured party, including taking 
possession of any goods which remain subject to our
Security Interest (as provided in the Security Interest
section of this Agreement), when allowed by law;
(6) continue to charge you Interest Charges and Fees as 
long as your balance remains outstanding; and/or 
(7) file a lawsuit against you, or pursue another action that

is not prohibited by law. If we file a lawsuit, you agree to 
pay our court costs, expenses and attorney fees, unless
the law does not allow us to collect these amounts. 

Communications 
You agree that we may communicate with you by mail, 
telephone, email, fax, prerecorded message, automated
voice, text message or other means allowed by law
regarding your Account. 
You agree that we may contact you at any telephone 
number (including a mobile telephone number that you
provide us), and use an automated telephone dialing
system or similar device to do so. You agree that we may 
monitor or record any conversation or other communication
with you. 
Credit Reports
We may report information about your Account to credit 
bureaus and others. Late payments, missed payments or
other defaults on your Account may be reflected in your
credit report. Information we provide may appear on your
and the Authorized Users’ credit reports. 
If you believe that we have reported inaccurate information
about your Account to a credit bureau or other consumer 
reporting agency, notify us in writing at PO Box 30258, 
Salt Lake City, UT 84130-0258. When you write, tell us the 

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Glossary
• “Account” means your Card Account with us. 
• “Authorized User” means a person who may use the
Card but is not responsible for the repayment of the
Account. 

• “Billing Cycle” means the period of time reflected 

on a Statement. This period may vary in length, but is
approximately 30 days. You will have a Billing Cycle even if 
a Statement is not required. We will often specify a Billing
Cycle by the month in which its closing date occurs. For
example, a “March Billing Cycle” will have a closing date
in March. We may also refer to a Billing Cycle as a “Billing
Period”. If your Account balance has charged off, we may 
switch to quarterly Billing Cycles for your Account. 

• “Card” means any Capital One credit card associated

with your Account. This includes all renewals and 
substitutions. It also means any
other access device for your Account we give you that
allows you to obtain credit, including any Account number. 

• “Credit Plans” mean the different parts of your Account 

we may establish that are subject to unique APRs, pricing 
or other terms. The sum of your Credit Plan balances 
equals your total Account balance. 

• “Fees” mean charges imposed on your Account not 

based on the Annual Percentage Rates. 

• “Interest Charges” mean any charges to your Account 
based on the application of Annual Percentage Rates. 

• “Item” means a check, draft, money order or other

negotiable instrument you use to pay your Account. This 
includes any image of these instruments. This does not 
include an Access Check. 

• “Statement” means a document showing important

Account information, including all transactions billed to 
your Account during a Billing Cycle and information about 
what you must pay. We may also refer to your Statement 
as a “Periodic Statement” or a “Billing Statement”. 
• “Truth-in-Lending Disclosures” means disclosures 
that the federal Truth in Lending Act and Regulation Z 
require for any Account. This includes your application 
and solicitation disclosures, Account opening disclosures,
subsequent disclosures, Statements and change in terms
notices. 

specific information that you believe is incorrect and why
you believe it is incorrect. 
We may obtain and use credit, income and other 
information about you from credit bureaus and others as
the law allows. 
Closing or Suspending Your Account
You may contact Customer Service to ask us to close 
your Account. 
We may close or suspend your Account at any time and for
any reason permitted by law, even if you are not in default. 
If we close or suspend your Account for any reason, 
you must stop using your Card. You must also cancel all 
billing arrangements set up on the Account. If we close or 
permanently suspend your Account, you must return or
destroy all Cards. You must still pay us all amounts you 
owe on the Account. 
Changes to Your Agreement
At any time, we may add, delete or change any term of
this Agreement, unless the law prohibits us from doing so. 
We will give you notice of any changes as required by law. 
We may notify you of changes on your Statement or in a 
separate notice. Our notice will tell you when and how the
changes will take effect. The notice will describe any rights 
you have in connection with the changes. 
Your variable APRs (if applicable) can go up or down as 
the index for the rate goes up or down. If we increase your
APRs for any other reason, or if we change your Fees or 
other terms of your Account, we will notify you as required
by law. 
The Law That Applies to Your Agreement
We make decisions to grant credit and issue you a Card 
from our offices in Virginia. This Agreement is governed 
by applicable federal law and by Virginia law. If any part of 
this Agreement is unenforceable, the remaining parts will 
remain in effect. 
Waiver 
We will not lose any of our rights if we delay or choose not 
to take any action for any reason. We may waive our right 
without notifying you. For example, we may waive your
Interest Charges or Fees without notifying you and without
losing our right to charge them in the future. 
Assignment
This Agreement will be binding on, and benefit, any of your 
and our successors and assigns. You may not sell, assign 
or transfer your Account or this Agreement to someone else 
without our written permission. 
We may sell, assign or transfer your Account and this 
Agreement without your permission and without prior notice
to you. Any assignee or assignees will take our place under 
this Agreement. You must pay them and perform all of 
your obligations to them and not us. If you pay us after we
notify you that we have transferred your Account or this 
Agreement, we can return the payment to you, forward the
payment to the assignee or handle it in another way that is
reasonable. 

BR262482  M-111186 

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© 2015 Capital One
 
Capital One is a federally registered service mark.
 

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