Credit Card Agreement for GM Card® 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, 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 

APR for Balance 
Transfers 

12.15% - 23.15%. 

This APR will vary with the market based on the Prime Rate. 

12.15% - 23.15%. 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances  25.15%. 

Penalty APR and 
When It Applies 

Paying Interest 

This APR will vary with the market based on the Prime Rate. 

29.65%. 

This APR will vary with the market based on the Prime Rate. 

This APR may be applied to your account if you make a late payment. 

How Long Will the Penalty APR Apply? If APRs are increased for a payment that is late, the 
Penalty APR may apply indefinitely unless you make six consecutive minimum payments on 
time following the rate increase. 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
interest on new purchases, provided you have paid your previous balance in full by the due 
date each month. We will begin charging interest on cash advances and special transfers on 
the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

Annual Fee 

$0. 

Transaction Fees 
• Balance Transfer Fee 
• Cash Advance Fee 
• Foreign Transaction Fee 

Penalty Fees 
• Late Payment 
• Over the Credit Limit Fee 
• Returned Payment 

None. 
Either $10 or 3% of the amount of each cash advance, whichever is greater. 
None. 

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 8.65 to 19.65 percentage points for the Standard Rate and a “Spread” of 
26.15 percentage points for the Penalty 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 
Thank you for opening a credit card account with us. 
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 rewards program terms, conditions and disclosures; 
(4) any privacy notices; 
(5) your Card benefits brochure, which describes benefits 

provided by the Payment Card Network for your Account; 

(6) all disclosures and materials provided to you before or 

when you opened your Account; 

(7) any other documents and disclosures relating to your 

Account, including those provided online; and 
(8) 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. 
Your Revolving Credit Line and Spending 
We will tell you your initial revolving credit line when you open 
your Account. We may increase or decrease your revolving 
credit line at any time without prior notice to you, unless 
notice is required by law, and we may limit or take away the 
credit available for Cash Advances. You can find your current 
revolving credit line on your Statement. We may not authorize 
transactions in excess of your revolving credit line. We may 
consider each transaction that may cause you to exceed your 
revolving credit line based on several factors, including your 
performance on this Account and other credit accounts you 
have with us and your performance with other creditors. If we 
do authorize transactions in excess of your revolving credit 
line, they will be subject to this Agreement. They will not 
result in an increase of your revolving credit line. 

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, Access Checks
 
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) Unless we tell you otherwise, we will bill each transaction 
to the applicable Segment of your Account. We will apply 
it against your available credit for that Segment.

 (9) You may obtain Balance Transfers and Cash Advances 
as permitted for your Account. You may not use these to 
pay any amount you owe us or any other company in the 
Capital One organization. 

(10) You must not use, or try to use, the Card for any illegal 
activity. You are responsible for any charges if you do. 
(11) We are not liable for any losses that may result when 

our services are unavailable due to reasons beyond our 
control. 

Rewards 
Your Account may provide you with the opportunity to earn 
rewards. If it does, we will separately provide you with 
information and terms about the rewards. 
Access Checks 
We may provide you with Access Checks. If we do, we will 
tell you at the time if we consider them purchases, Cash 
Advances or Balance Transfers. 
Only the person we designate may use Access Checks. You 
may not use them to pay any amount you owe us or any 
other company in the Capital One organization. We may 
reject and not pay any Access Check if: 
(1) your Account is past due, charged off, bankrupt, lost/ 

stolen or closed; 
(2) we suspect fraud; 
(3) your Account is over the credit limit; or 
(4) the check has expired, is damaged or cannot otherwise 

be processed. 

Our liability if we do not pay an Access Check will never be 
more than (1) your actual damages or (2) the amount of the 
Access Check, whichever is less. 
Use of an Access Check is not the same as using your 
Card. When you use an Access Check, you will have fewer 
rights to dispute merchant transactions than with uses of 
your Card. Please see the “Billing Rights Summary” on your 
Statement and your other Truth-in-Lending Disclosures for 
more information. 
Stopping Payment of Access Checks 
You may request a stop payment on any Access Check by 
contacting Customer Service.

We will have a reasonable amount of time after your 

stop payment request to research and complete the stop 
payment. We will not be responsible if we cannot complete 
the stop payment. Reasons include: 
(1) the Access Check was already paid; 

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(2) you do not give us the information we asked for; or 
(3) the information you gave us was incorrect. 
We do not have to release the stop payment order unless 
the account holder who made the request asks us to. If we 
re-credit your Account after a valid stop payment order, you 
give us all of your rights against the payee or other holder 
of the paid Access Check. You also agree to help us in any 
legal action we may later take against the payee or other 
holder of the check. 
Using a PIN 
We may give you a personal identification number (PIN). For 
security reasons, you may have to provide the PIN before 
you are able to use your Card. 
Keep your PIN secure. Do not write it down, give it to anyone 
or keep it with your Card. If you lose your Card or believe the 
confidentiality of your PIN has been compromised for any 
reason, you must contact Customer Service immediately. 
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 

(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 day a transaction occurs. However, we will not 
charge you interest on any new transactions posted to the 
purchase Segment of your Account if you paid the total 
balance across all Segments of your Account in full by the 
due date on your Statement each month. From time to time, 
we may give you offers that allow you to pay less than the 
total balance and avoid Interest Charges on new purchase 
Segment transactions. If we do, we will provide details in the 
specific offer. 
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. 
Membership Fee 
If your Account has a membership Fee, we may charge the 
first membership Fee either on the day you activate your 
Card or on the day when you use your Account, whichever 
occurs first. If your Account terms include a $0 introductory 
Fee, we may charge the first Fee when the introductory 
period ends. If it is an annual Fee, we may then charge it 
approximately once per year. If it is a monthly Fee, we may 
charge it each Billing Cycle. 
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. 
Stop Payment Fee 
We may charge you this Fee each time you ask us to (1) 
stop payment on an Access Check or (2) renew an existing 
stop payment order. 
Cash Advance Fee 
We may charge you this Fee each time you take out a 
Cash Advance. We will treat this Fee as a Cash Advance 
transaction. 
Balance Transfer Fee 
We may charge you this Fee each time you make a Balance 
Transfer. We will charge the Fee to the Balance Transfer 
Segment.

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Transactions Made in Foreign Currencies 
If you make a transaction in a foreign currency, the Payment 
Card Network will convert it into a U.S. dollar amount. The 
Payment Card Network will use its own currency conversion 
procedures. The conversion rate in effect on the processing 
date may differ from the rate in effect on the transaction 
date that appears on your Statement. We do not adjust the 
currency exchange rate or charge any currency conversion 
Fees. 
Minimum Payment 
You must pay us at least the minimum payment amount by 
the payment due date. 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 
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 
Your Account may have Segments with different Annual 
Percentage Rates (APR). For example, purchases may 
have a lower APR than Cash Advances. If your Account has 
Segment balances with different APRs, here is how we apply 
payments in a Billing Cycle: 
(1) We generally apply payments up to your minimum 

payment first to the balance with the lowest APR, and 
then to balances with higher APRs. 

(2) 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 file or become the subject of a bankruptcy or 

insolvency proceeding; 

(4) you are unable or unwilling to repay your obligations, 
including upon death or legally declared incapacity; 
(5) we determine that you made a false, incomplete or 

misleading statement to us, or you otherwise tried to 
defraud us; or 

(6) 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; 

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(3) lower your revolving credit line; 
(4) demand that you immediately pay the total balance owing 

on your Account; 

(5) continue to charge you Interest Charges and Fees as long 

as your balance remains outstanding; and/or 

(6) 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 
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. 
Glossary 
• “Access Check” means any check we send to you to 
access credit from your Account. We may also refer to 
an Access Check as a “convenience check” or a “purchase 
check”. 

• “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. 

• “Balance Transfer” means an amount posted to the 
Balance Transfer Segment of your Account unless 
otherwise described in your Truth-in-Lending Disclosures. 

• “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. 

• “Cash Advance” means a loan in cash or things we 
consider cash equivalents, including wire transfers, 
traveler’s checks, money orders, foreign currency, lottery 
tickets, gaming chips and wagers. We post Cash Advances 
to the Cash Advance Segment of your Account and not to 
your purchase Segment. 

• “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. 

• “Payment Card Network” means the network provider 

displayed on your Card. This may be Visa Inc., MasterCard 
International Incorporated or any other network provider. 
• “Segments” means the different parts of your Account we 
may establish that are subject to unique APRs, pricing or 
other terms. We create these parts of your Account for such
things as your purchases, Balance Transfers and Cash
Advances. The sum of your Segment balances equals your
total Account balance.

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• “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. 

© 2015 Capital One 
Capital One is a federally registered service mark.
 
All rights reserved.
 

BR282200  M-113234 

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