Credit Card Agreement for Polaris 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
21.99%.
(APR) for Purchases
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It
28.99%.
Applies
This APR will vary with the market based on the Prime Rate, as described in more detail below. 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 longer 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 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 18.74 percentage points for the Standard Rate and a "Spread" of 25.74
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.
CAPITAL ONE® CUSTOMER AGREEMENT
How We Will Calculate Your Balance: We use a method called "average
MINIMUM INTEREST CHARGE
daily balance (including new purchases)".
If you are charged Interest, the charge will be no less than the
Minimum Interest Charge listed in the chart.
Billing Rights: Information on your rights to dispute transactions and
how to exercise those rights is provided in this Cardholder Agreement.
ABOUT ACCOUNT FEES & OTHER CHARGES
You may pay the entire New Balance at any time.
FEES AND LIMITS
NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital
The fees that apply to your Account are shown in the purchase balance
property agreement, unilateral statement under Section 766.59 of
unless otherwise stated in this Agreement.
the Wisconsin Statutes, or court order under Section 766.70 of the
Wisconsin Statutes adversely affects the interest of the creditor unless
If charging any fee shown in the chart would exceed first-year fee
the creditor, prior to the time the credit is granted, is furnished a copy
limits set by law, we may charge an amount allowed by law. If we do
of the agreement, statement or decree or has actual knowledge of
this, it does not affect our ability to charge the full fee amount later.
the adverse provision when the obligation to the creditor is incurred.
LATE PAYMENT FEE
If you are married, by submitting your credit card application you are
This fee is shown in the chart below. It is charged in any billing
confirming that this credit card obligation is being incurred in the
cycle that you do not pay at least the Minimum Payment Due by the
interest of your marriage and your family. If the credit card for which
Payment Due Date. In no event will your Late Payment Fee exceed the
you are applying is granted, you will notify the Bank if you have a spouse
Minimum Payment Due.
who needs to receive notification that credit has been extended to you.
Outstanding Balance
Late Payment Fee
Late Payment Fee - if
CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT
on Payment Due
first time your
another payment is late
You have been approved for a Polaris® StarCard credit card. This
Date
payment is late.
during the next 6 billing
account is issued by Capital One, N.A. (Capital One).
cycles.
INTEREST RATES INFORMATION
Up to and including
$15
$15
Your variable Annual Percentage Rate (APR) is your Spread plus the
$100
Prime Rate, which is described in the HOW A VARIABLE RATE MAY
More than $100 and
$25
$35
CHANGE section. Your Daily Periodic Rate (DPR) is described in the
up to and including
INTEREST CHARGES section.
$1000
Rates accurate as of 11/01/2013
More than $1000
$25
$35
APR
DPR
Spread
OVER THE CREDIT LIMIT FEE
Standard APR
21.99%
.06025%
18.74%
This fee is shown in the table on page 1 and will be charged if:
Penalty APR
28.99%
.07942%
25.74%
your Account balance exceeds your credit limit at any time during a
billing cycle.
RETURNED PAYMENT FEE
HOW A VARIABLE RATE MAY CHANGE
This fee is shown in the table on page 1. It is charged each time a
Your variable APRs can change with each monthly billing cycle.
check or other form of payment to us is returned or not honored.
We will apply each APR to the applicable balance for each type of
PAYMENT BY PHONE FEE
transaction. Each variable APR will be equal to:
This fee:
a) the amount shown in the chart ("Spread"); plus
b) the U.S. "Prime Rate" as defined below.
may be charged each time anyone makes a payment to your
Account with the assistance of a live phone representative; and
The Prime Rate will be as shown in the Money Rates table of The Wall
the amount is disclosed at the time a payment by phone is requested.
Street Journal that is in effect on the last day of the month.
COPY REQUEST FEE
Any changes in the Prime Rate will take effect on the first day of your
A copy request fee may be charged each time a copy of a document
billing cycle beginning in the next month.
is requested.
An increase in the U.S. Prime Rate will increase your Daily Periodic
The fee amount will be disclosed at the time of your request.
Rates. It may also increase your
REISSUED CARD FEE
Interest Due; and/or
You may be charged $5 each time you request that your credit card
Minimum Payment Due.
be reissued.
ABOUT THE PENALTY APR
MINIMUM PAYMENT DUE
If you do not make your Minimum Payment Due within 60 days after
You agree to pay us at least the Minimum Payment Due, reflected on
the Payment due date we may increase your APRs to the Penalty APR.
your statement. If you wish, you may pay more than the Minimum
Payment Due and at any time you may pay the entire amount due.
If this occurs:
Your Minimum Payment due is equal to your Minimum Payment
we will provide advance notice before the Penalty APR goes into effect.
plus the Special Repayment Terms for any Promotional Credit Plans
once the Penalty APR goes into effect, if you make six consecutive
with a special repayment term plus any debt cancellation fees or
on-time minimum payments when due, your rates will return to the
credit insurance premiums attributable to any Reduced Rate/Special
non-penalty APRs applicable to your Account.
Repayment Terms Credit plans plus any delinquent amounts. The
If you do not make six consecutive on time minimum payments, we
Minimum Payment is the greater of a.) $25 or b.) 1% of your "New
may keep the Penalty APR on your Account indefinitely.
Balance" (which does not include balances on Special Repayment
Terms Credit Plans) plus billed Interest Charges plus any Late Fees
ABOUT INTEREST CHARGES
assessed for that month, rounded to the next highest dollar. Your
monthly billing statement will include requirements for you to
TREATMENT OF FEES AND INTEREST
follow in making payments including the cut-off hour for receipt of
Any fees or Interest will be added to your purchase balance unless
payments, which may affect crediting of your payments.
otherwise stated in this Agreement.
INTRODUCTION
If any joint Accountholder requests to not be liable for future
transactions, we may close the Account.
KEY TERMS
"You" and "your" means each Applicant and Joint Applicant who:
SECURITY INTEREST
applied for this Account bearing the name Polaris® StarCard; and/or
Except as described below:
agrees to pay for the Account.
we will release the money security interest in a good purchased
using the Account when sufficient payments have been made to
"We," "us," and "our" means Capital One, N.A., located at 1111 Town
repay the portion of the balance on the Account attributable to the
Center Drive, Las Vegas, Nevada 89144.
purchase of the good.
"Applicant" means the primary Cardholder. "Joint Applicant" means
You should be aware that:
the secondary Cardholder.
our allocation of your payments to the balance(s) on the Account is
"Agreement" means all parts of this document and any future
subject to federal regulations; and
supplements or amendments.
in some cases, this may result in some or all of your payments being
allocated to other balances on the Account. This includes other
"Card" means any card, card number or other device we issue to
balances which may pertain to a purchase money security interest in
access your Account.
a different good, or goods, purchased using the Account.
GETTING STARTED
You may call the customer service number for your Account to request
The Card must be signed to be used.
that we reallocate payments (including future payments) solely for
purposes of releasing the purchase money security interest in
a
When you use the Account or sign the card or sales slips, you agree to:
particular good ("Release Good"). If you do this, we:
the terms of this Agreement; plus
any amendments or supplements to the Agreement.
reserve the right to honor your request solely at our discretion; and
may deny your request if, for example, we believe that a different
You may close your Account at any time. Please see the Closing Your
Account section for details.
allocation will provide us greater protection.
If we honor the request:
USING YOUR ACCOUNT
this may result in your payments (including previous payments) being
ALLOWED USE
allocated in a manner that delays our release of a purchase money
You agree to:
security interest in any other good(s) purchased with the Account,
use your Account only for lawful purposes
and for which there is a balance outstanding, until your payments are
use your Account for only personal, family, household, or charitable
allocated in a manner that results in a release of our purchase money
purposes; and
security interest in the Release Good.
repay us for all costs related to uses not allowed under this Agreement.
WHEN AND HOW TO PAY
You are not allowed to use your Account:
You agree to:
to make payments to this credit card or any other loan payments to
pay at least the Minimum Payment Due shown on your billing
us or our affiliates; or
statement; and
for internet gambling.
make this payment in time to be credited by no later than the
Payment Due Date.
If you have given someone permission to use the Card, this is not
unauthorized use and you will be liable for all use by that person.
How your Minimum Payment Due is determined as shown in the
MINIMUM PAYMENT DUE section.
CREDIT LIMIT
When you open your Account, we will tell you your credit limit.
If you wish, you may pay more than the Minimum Payment Due or the
entire balance at any time.
We may change this limit from time to time. Whenever this occurs, we
will notify you:
Instructions for making timely payments are shown on your billing
on your billing statement; and/or
statement.
by sending a notice.
Payments must be:
You agree to:
made in U.S. dollars; and
keep your Account balance (which includes Interest and other
paid from a U.S. bank or other U.S. financial institution; and
charges) within your credit limit; and
sent in a form that is acceptable to us.
immediately pay any over limit amount that might occur.
Acceptable forms of payment include:
Your available credit may not reflect your payments for up to 14 days. If
a check or money order; or
a transaction would exceed your available credit limit, we may decline it.
an electronic funds transfer
USING THE ACCOUNT
If you want to write any special conditions on your payment, such as
At times we may:
"paid in full", "without recourse", or similar language, you must:
decline a transaction if there is not enough available credit and for
- Mark this clearly on your payment.
any other reason and/or;
Payment must be marked for Special Handling and sent to:
require our Authorization before allowing a transaction.
Capital One, PO Box 5226, Carol Stream, IL 60197-5226.
A merchant may check your ID.
Unless you follow the above directions, we may accept a payment
marked with special conditions and not agree to those conditions, and
We are not liable if:
will not lose any of our rights.
a merchant refuses your card; and/or
we do not complete your transaction for any reason.
By sending us a check for payment on your Account, you authorize us
either to:
PAYING YOUR BILL
use information from your check to initiate an electronic fund
PROMISE TO PAY
transfer from your payment account according to the terms of the
check; or
You promise to pay for all:
credit we extend; plus
to process this transaction as a check.
Interest charges and other fees or charges; plus
When we use your check to make an electronic fund transfer:
collection costs and attorney fees as allowed by law.
funds may be withdrawn from your payment account the same day
If your Account is a joint Account, each of you is jointly and
we receive your payment; and
individually responsible for amounts due. This remains true in the
you will not receive your check back from your bank.
event of death, divorce or other events that affect liability between
When you use our optional payment by phone service, you agree that:
you and the other person.
we may make an electronic funds transfer from the bank account
the applicable Daily Periodic Rate for each prior cycle times the Daily
you choose; or
Balances of the Credit Plan for each day during each prior cycle.
we may process the payment the same way we would process a check.
For Plans other than Same As Cash, the interest charge is the total of:
You authorize the amount and timing of each payment. Please retain
the applicable Daily Periodic Rate for the Plan times the Daily Balance
this authorization for your records.
for the plan for each day in the cycle.
If you have a returned payment:
HOW DAILY BALANCE IS DETERMINED
the amount you paid will be added back to your Account and
To determine your Daily Balance, we:
may be applied to a different category than originally posted. (e.g.
take the opening balance for each Plan for that day; then
purchases, etc.); and
add the following that were incurred on that day:
Interest Charges may be restored back to the payment date at the
a) any new purchases
APR for that transaction.
b) any previous day's periodic Interest Charges
c) any fees and charges, including any credit insurance premiums
ACCOUNT FEES AND OTHER INTEREST RATES
or debt cancellation fees, if these apply; then
subtract any payments and/or credits.
ABOUT YOUR APRs
Your APRs are shown on page 1.
For any Same As Cash Credit Plan:
A Daily Periodic Rate is used to determine your Interest Charges in any billing
Any credit insurance premiums or debt cancellation fees are not
cycle. To determine this rate, we divide your APR by 365; then round this
included in the Daily Balance of that Plan during the promotional period.
number up to the next hundred thousandth of a percentage point.
We also make any needed adjustments. For example:
PROMOTIONAL CREDIT PLANS
If a transaction posts after but occurs before the start of a billing cycle,
From time to time, we may offer one or more Promotional Credit
we may adjust the amount above to include this transaction. It will be
Plans. These may be offered to you:
included as of the first day of the billing cycle in which it posts.
prior to your purchase; and/or
If your Account is subject to a grace period during the billing cycle,
at the time of your purchase.
your payments will be subtracted from all Daily Balances in the
current billing cycle.
Any of these Plans may be offered at any time and are conditioned on
If a transaction for a returned payment or a dispute resolved in our
your timely payment of at least the Minimum Payment Due for each
favor posts after the beginning of the billing cycle, we will make this
billing statement:
adjustment:
a) Waived Interest Charge Credit Plan
-the applicable Daily Balance(s) and any related Interest Charges
With this Plan there are no Interest Charges on your purchase for a
will be adjusted to include the transaction amount as of the date
specified period.
of the original payment or transaction.
b) Same As Cash / Monthly Payment Credit Plan
To calculate your Average Daily Balance, we:
With this Plan, there are no Interest Charges on your purchase if
add the Daily Balances for each day of the billing cycle; then
you repay the full cash price of the purchase before the promotional
divide this total by the number of days in the billing cycle.
expiration date shown on your billing statement.
If you do not repay in full by the promotional expiration date, Interest
HOW TO AVOID PAYING INTEREST ON PURCHASES
Charges will be imposed from the purchase date.
The number of days until your Payment Due Date after the close
c) Reduced Rate Credit Plan
of each billing cycle is indicated in the Interest Rates and Interest
With this Plan, you will receive a reduced periodic rate on your
Charges section of this Agreement. We will not charge you Interest on
purchase for a specified period.
purchases if you pay your entire balance by the due date each month.
d) Special Repayment Term Credit Plan
With this Plan special repayment terms will be applied to the purchase
Interest charges begin on the transaction date and continue to accrue
for the specified period.
until paid in full except as noted below:
e) Special Repayment Term / Reduced Rate Credit Plan
EXCEPTIONS
With this Plan special repayment terms and a reduced periodic rate will
1. For New Purchases and balances: No interest is charged in a billing
be applied to the purchase for the specified period.
cycle on a Regular, Reduced Rate, or Special Repayment Terms
Purchases that do not fall under one of these Plans are called Regular
Credit Plans if the combined Previous Balance of those Plans at the
Credit Plan purchases.
beginning of the cycle is:
a) zero; or
Promotional Credit Plans are available only for transactions on which the
total amount financed is less than 130% of the MSRP for the unit.
b) a credit balance (e.g., less than zero); or
c) paid in full before the Payment Due Date that falls during the cycle;
If you make more than one purchase on your card, these balances may
2. For Waived Interest Charge Credit Plans: No interest is charged for the
be treated differently.
promotional period.
3. For Same As Cash Credit Plans: No interest is charged if the full cash
Certain rules apply to the allocation of payments and interest charges
sales price is paid in full before the promotion expiration date.
on your promotional purchase if you make more than one purchase on
your Card. Call 1-888-367-4310 or review the HOW WE APPLY PAYMENTS
HOW WE APPLY PAYMENTS
section of this Agreement for information.
The amount of your payment that is equal to the Minimum Payment
Due is:
INTEREST CHARGES
applied as we determine within legal guidelines; and
HOW INTEREST CHARGES ARE CALCULATED
usually applied to the minimum due on each credit plan.
Each billing statement shows the Interest Charges, which are
Any payment amount over the Minimum Payment Due is applied to
calculated separately for each:
higher APR balances before lower ones.
Promotional Credit Plan with a unique due date or unique terms;
Regular Credit Plan
If you have a Same As Cash Credit Plan(s):
Until the final two complete billing cycles:
The total interest charge for the billing cycle is the sum of the interest
We apply payments the same way we apply payments to a Same As
charge for each plan subject to the minimum interest charge shown in
Cash Credit Plan having a 0% APR
the chart.
During the final two complete billing cycles and up to the date of
For Same As Cash Plans, if interest is applied, the interest is accrued
expiration we will apply payments received in this order:
from the transaction date of the purchase through the current cycle.
1) To the required Minimum Payment Due; and
The Interest Charge is the total of:
2) To the plan(s) that is expiring, in the order of expiration.
the applicable Daily Periodic Rate for the current cycle times the Daily
Balance for each day in the current cycle; plus
MANAGING YOUR ACCOUNT
CREDIT REPORTING
You agree that we may obtain and use credit information about you
OTHER USERS
from others such as:
You may permit others to use your Card or Account Number.
merchants or stores;
You are responsible for all charges made by permitted users.
other lenders;
If you wish to revoke another person's permission to use your Account,
consumer reporting agencies.
you must notify us. We may close your Account and issue a new Card
If you believe we have reported inaccurate information about your
with a different Account number.
Account to any consumer reporting agency you should:
UPDATING YOUR RECORDS
- notify us and ask us to correct the inaccurate information by writing
You agree:
to us at Capital One, PO Box 5253, Carol Stream, IL 60197-5253.
a) to give us prompt advance notice of any change in your name,
When you write to us, tell us:
mailing address, phone number, or employer;
your Account number; and
b) to promptly give us accurate financial information about you if we
the specific information you believe is not correct; and
ask for it; and
why you believe it is not correct.
c) the Department of Motor Vehicles may release your home address
to us if we ever need it to find you.
INSURANCE
If credit insurance was offered and your accepted it: You agree that
CLOSING YOUR ACCOUNT
your Account will be charged monthly; this charge, which is called an
You can close your account at any time by mailing your request to
insurance premium, will be based on the Average Daily Balances of your
Capital One, PO Box 5226, Carol Stream, IL 60197-5226. Your request
Account for the billing cycle in which the premium is assessed; and the
becomes effective when we receive it.
charges will begin on the transaction date(s) of your purchase(s).
Once you close the Account:
you must destroy your card(s); and
OTHER AGREEMENTS
you will still be responsible for all amounts owed according to the
ACCOUNT CLOSURE
terms of this Agreement.
At any time, for any reason, we may take any of these actions subject
to applicable law:
PROTECTING YOUR CREDIT
a) close your Account;
LOST OR STOLEN CARD
b) suspend your credit privileges;
c) reduce your credit limit.
You agree to notify us immediately if:
your Card is lost or stolen; or
If we close your Account:
your Account is used without your permission.
Interest Charges and fees will continue to accrue until your balance
is paid in full; and
You may call at any time. The phone number is listed on your billing
you agree to return or destroy your Card(s).
statement.
COMMUNICATIONS
LIABILITY FOR UNAUTHORIZED USE
We may contact you from time to time regarding your Account. We
If you notice the loss or theft of your credit card, or a possible unauthorized
may contact you in any manner we choose unless the law says that we
use of your card, you should call us at the number listed on your billing
cannot. For example, we may:
statement or the back of your card, or write to us immediately at:
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
("Autodialer");
You will not be liable for any unauthorized use that occurs after you
3) contact you at your home and at your place of employment;
notify us. You may, however, be liable for unauthorized use that occurs
4) contact you on your mobile telephone;
before your notice to us. In any case, your liability will not exceed $50.
5) contact you at any time, including weekends and holidays;
6) contact you with any frequency;
DEFAULT
7) leave prerecorded and other messages on your answering machine/
We may consider your Account to be in Default if you:
service and with others; and
a) fail to make the Minimum Payment Due when due;
8) identify ourselves, your relationship with us and our purpose for
b) exceed your credit limit;
contacting you even if others might hear or read it.
c) become the subject of bankruptcy proceedings, foreclosure,
repossession, lien or judgment, garnishment, or attachment;
Our contacts with you about your Account are not unsolicited and
d) give us misleading, false or incomplete information;
might result from information we obtain from you or others. We
e) fail to give us a current physical address when you apply and
may monitor or record any conversation or other communication
whenever you move;
with you. Unless the law says we cannot, we may modify or suppress
f) make payments to us that are returned unpaid by your bank or other
caller ID and similar services and identify ourselves on these services in
financial institution; or
any manner we choose. When you give us or we obtain your mobile
g) default under any other agreement or security agreement you have
telephone number, we may contact you at this number using an
with us or with one of our affiliates; and/or
Autodialer and can also leave prerecorded and other messages. We
h) become incompetent or deceased.
may do these things whether we contact you or you contact us.
Upon default, we have the right to:
If you ask us to discuss your Account with someone else, you must
close your Account;
provide us with documents that we ask for and that are acceptable to us.
suspend your credit privileges;
CHANGE OF TERMS
require you to pay your entire Account balance including any
We may change this Agreement as allowed by applicable law. This may
Promotional Credit Plan balances, all accrued but unpaid Interest
Charges and other charges provided for in this Agreement immediately;
include changing, adding, or removing terms. We may do this in response
terminate any Promotional Credit Plans and convert balances to a
to the legal, business, competitive environment or other reasons not
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
fees, we may charge you for these costs as permitted by applicable
reject a change. We cannot change certain terms during the first year of
law, and we will apply your payments first to these costs.
your Account.
ACCOUNT ASSIGNMENT
What To Do If You Find A Mistake On Your Statement
We may sell, assign or transfer all or any part of your Agreement and Account
without notice to you. You may not sell, assign or transfer your Account.
If you think there is an error on your statement, write to us at:
WAIVERS
Capital One
If we delay or take no action allowed under this Agreement, for any
PO Box 5893, Carol Stream, IL 60197-5893
reason, we will not lose or limit any of our rights under this Agreement
on any other occasion.
In your letter, give us the following information:
Account information: Your name and account number.
SEVERABILITY
Dollar amount: The dollar amount of the suspected error.
If a term is found to be invalid under any applicable law, rule or
Description of problem: If you think there is an error on your bill,
regulation, then all other terms of this Agreement will remain valid.
describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we
Within 60 days after the error appeared on your statement.
inform customers that should they fail to fulfill the terms of their credit
At least 3 business days before an automated payment is scheduled,
obligation, a negative report reflecting on their credit record may be
if you want to stop payment on the amount you think is wrong.
submitted to a credit reporting agency. If you are married, you may
apply for credit in your own name.
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
NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a
and you may have to pay the amount in question.
judgment against you, a portion of your disposable earnings may be attached or
garnished (paid to us by your employer), as provided by Florida and Federal law.
What Will Happen After We Receive Your Letter
NOTICE FOR MAINE RESIDENTS: We may request a consumer report in
When we receive your letter, we must do two things:
connection with your application for credit. You may ask whether a
1. Within 30 days of receiving your letter, we must tell you that we received
consumer report was obtained by us and we will tell you the name and
your letter. We will also tell you if we have already corrected the error.
address of the consumer reporting agency, if a report was obtained.
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.
Missouri Residents: Oral agreements or commitments to loan
money, extend credit or to forbear from enforcing repayment of
While we investigate whether or not there has been an error:
a debt including promises to extend or renew such debt are not
We cannot try to collect the amount in question, or report you as
enforceable. To protect you (borrower(s)) and us (creditor) from
delinquent on that amount.
The charge in question may remain on your statement, and we may
misunderstanding or disappointment, any agreements we reach
continue to charge you interest on that amount.
covering such matters are contained in this writing, which is the
While you do not have to pay the amount in question, you are
complete and exclusive statement of the agreement between us,
responsible for the remainder of your balance.
except as we may later agree in writing to modify it.
We can apply any unpaid amount against your credit limit.
NOTICE FOR NEW YORK RESIDENTS: A consumer credit report may be
After we finish our investigation, one of two things will happen:
requested in connection with this application or in connection with
If we made a mistake: You will not have to pay the amount in
updates, renewals or extensions of any credit granted as a result of
question or any interest or other fees related to that amount.
this application. Upon your request, you will be informed whether or
If we do not believe there was a mistake: You will have to pay the
not such a report was requested and, if so, the name and address of
amount in question, along with applicable interest and fees. We will
the agency that furnished the report. New York residents may contact
send you a statement of the amount you owe and the date payment
the New York State Department of Financial Services to obtain a
is due. We may then report you as delinquent if you do not pay the
comparative listing of credit card rates, fees and grace periods. New
amount we think you owe.
York State Department of Financial Services: 1-800-522-3330.
If you receive our explanation but still believe your bill is wrong, you
NOTICE FOR OHIO RESIDENTS: The Ohio Laws against discrimination
must write to us within 10 days telling us that you still refuse to pay. If
require that all creditors make credit equally available to all
you do so, we cannot report you as delinquent without also reporting
creditworthy customers and that credit reporting agencies maintain
that you are questioning your bill. We must tell you the name of
separate credit histories on each individual upon request. The Ohio
anyone to whom we reported you as delinquent, and we must let those
Civil Rights Commission administers compliance with this law.
organizations know when the matter has been settled between us.
NOTICE FOR VERMONT RESIDENTS: A consumer credit report may be
If we do not follow all of the rules above, you do not have to pay the
requested in connection with this application or in connection with
first $50 of the amount you question even if your bill is correct.
updates, renewals or extensions of any credit granted as a result of this
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
application. Upon your request, you will be informed whether or not
such a report was requested and, if so, the name and address of the
If you are dissatisfied with the goods or services that you have
agency that furnished the report.
purchased with your credit card, and you have tried in good faith to
correct the problem with the merchant, you may have the right not to
The information about the costs of the Card described in this Cardholder
pay the remaining amount due on the purchase.
Agreement and Disclosure Statement is accurate as of November, 2013. This
information may have changed after that date. To find out what may have
To use this right, all of the following must be true:
changed write to us at 1111 Town Center Drive, Las Vegas, Nevada 89144.
1. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that
APPLICABLE LAWS
accesses your credit card account do not qualify.
This Agreement is governed by the Commonwealth of Virginia law and
2. You must not yet have fully paid for the purchase.
federal law.
If all of the criteria above are met and you are still dissatisfied with the
We make our credit decisions and extend credit to you under this
purchase, contact us in writing at:
Agreement from the Commonwealth of Virginia. This Agreement is:
entered into in the Commonwealth of Virginia; and
Capital One
maintained in the Commonwealth of Virginia.
PO Box 5893, Carol Stream, IL 60197-5893
This is true whether or not you use your card in the Commonwealth of
While we investigate, the same rules apply to the disputed amount as
Virginia.
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
pay, we may report you as delinquent.
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under
BR251788 (11/13) M-110160
the Fair Credit Billing Act.