Credit Card Agreement for Union Plus 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, 2020. 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).
Family Member and Working America cardmembers may not be eligible for certain benefits. If you are no longer a current
union member in good standing of a participating union, a retired union member, a family member of a current union member
in good standing of a participating union, or a member of Working America, you are not eligible for this pricing and your
Account may be repriced and you may not be eligible for certain benefits.
CAPITAL ONE PRICING INFORMATION
Annual Percentage Rate
Introductory rate of
0%,
ranging from 0 months to 15 months.
(APR) for Purchases
Non-introductory rates between
10.9% - 23.24%.
This APR will vary with the market based on the Prime Rate.
APR for Transfers
Introductory rate of 0%, ranging from 0 months to 15 months.
Non-introductory rates between 10.9% - 23.24%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
23.99%.
This APR will vary with the market based on the Prime Rate.
Paying Interest
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 transfers on the transaction date.
For Credit Card Tips from
To learn more about factors to consider when applying for or using a credit card,
the Consumer Financial
visit the website of the Consumer Financial Protection Bureau at
Protection Bureau
http://www.consumerfinance.gov/learnmore.
Annual Fee
None.
Transaction Fees
Transfer
3% of the amount of each transferred balance that posts to your account at a promotional APR
that we may offer you.
None for balances transferred at the Transfer APR.
Cash Advance
Either $10 or 4% of the amount of each Cash Advance, whichever is greater.
Penalty Fees
Late Payment
Up to $38.
How Do You Calculate My Balance? We use a method called "average daily balance (including new transactions)".
See
the
"How Do You Calculate the Interest Charge?" section.
What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided
in "Your Billing Rights Summary" on your Statement and other Truth-in-Lending Disclosures.
THINGS YOU SHOULD KNOW ABOUT THIS CARD
How Do You Calculate My Variable Rates? Your variable rates may change when the Prime rate changes. We calculate
variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December,
March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable
rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and
October Billing periods: Non-Introductory Purchase APR: Prime plus a margin between 7.65% and 19.99%; Non-Introductory
Transfer APR: Prime plus a margin between 7.65% and 19.99%; and Cash APR: Prime plus 20.74%. Any increase in the
Prime Rate may increase your Interest Charges and your minimum payment due.
What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Introductory Purchase APR
is 0.00000%, Non-Introductory Purchase APR is between 0.02986% and 0.06367%, Introductory Transfer APR is 0.00000%,
Non-Introductory Transfer APR is between 0.02986% and 0.06367%; and Cash APR is 0.06573%.
How Do You Calculate the Interest Charge? We use a method called Average Daily Balance (including new transactions).
Under this method, we first calculate your daily balance; for each segment, 1) take the beginning balance and add in new
transactions and the periodic interest charge on the previous day's balance, then 2) subtract any payments and credits for that
segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month's balance
in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase
segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.
Next, to find your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the
number of days in the billing cycle.
At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily
periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period.
NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.
© 2021 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by
Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.
Capital One Customer Agreement
Welcome to Capital One
We may restrict or close your Account if we cannot verify
Thank you for opening a credit card account with us.
your information, or if you do not provide it as requested.
This Customer Agreement including any changes to it
Credit Limits
("Agreement") contains the terms of your agreement
with Capital One.
When you open your Account, we will tell you your credit
limits. These will also appear on your Statement. We
Definitions
may also refer to your credit limits as your credit lines.
The meanings of the terms you see in italics appear in
We may give you different credit limits for the different
the Glossary section at the end of this Agreement.
Segments of your Account. For example, you may have
one credit limit for purchases and a different one for
As used here, "you" and "your" mean each applicant
Cash Advances.
and co-applicant for the Account; any person
responsible for paying the Account; and any person
You are responsible for keeping track of your Segment
responsible for complying with this Agreement.
balances and your available credit. You must manage
"We," "us," "our," and "Capital One" mean Capital
your Account to remain below your credit limits. We may
One, National Association; and its agents, authorized
honor transactions above your credit limits, but if we do
representatives, successors, and assignees.
these transactions will not increase your credit limit. You
are responsible for paying for any transaction you make
Account Documents
above your credit limits.
The following documents govern your Account with us:
We may also increase, decrease, restrict or cancel your
(1) this Agreement;
credit limit on any Segment at any time. This will not
(2) all Statements;
affect your obligation to pay us.
(3) any rewards program terms, conditions, and disclosures;
(4) any privacy notices;
Using Your Account
(5) your Card benefits brochure which describes
(1) This Agreement applies whether or not you use your
benefits provided by the Payment Card Network for
Card or Account. It will continue to apply even after
your Account;
your Account is closed, as long as you have a balance.
(6) all disclosures and materials provided to you before
(2) You must sign the Card immediately when you
or when you opened your Account;
receive it.
(7) any other documents and disclosures relating to your
(3) You must return the Card to us or destroy it if we ask
Account, including those provided online; and
you to.
(8) any future changes we make to any of the above.
(4) You must take reasonable steps to prevent the
unauthorized use of your Card, Access Checks and
Please read these carefully and keep them for
Account.
future reference.
(5) We may decline to authorize a transaction for any
New Offers
reason. This may occur even if the transaction would
not cause you to go over your credit limit or your
In the future, we may provide you with new offers that
Account is not in default.
we think may interest you. The terms of these offers may
(6) We are not responsible for any losses you incur if we
differ from the standard terms on your Account. This
do not authorize a transaction.
Agreement will still apply.
(7) We are not responsible for any losses you incur if
Account Information
anyone refuses to accept your Card for any reason.
We need information about you to manage your
(8) Unless we tell you otherwise, we will bill each
Account. This includes:
transaction to the applicable Segment of your
Account. We will apply it against your available credit
(1) your legal name;
for that Segment.
(2) a valid U.S. mailing address and residential address
(9) You may obtain Cash Advances and Transfers as
(if different);
permitted for your Account. You may not use these to
(3) your date of birth;
pay any amount you owe us or any other company in
(4) your Social Security number or other government
the Capital One organization.
identification number;
(10) You must not use, or try to use, the Card for any
(5) your telephone number(s); and
illegal activity. You are responsible for any charges if
(6) your employment and income information.
you do.
You must tell us when this information changes. We may
(11) We are not liable for any losses that may result
when our services are unavailable due to reasons
ask you for additional documents to verify any changes.
beyond our control.
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Rewards
Authorized Users
Your Account may provide you with the opportunity to
If you ask us to issue a Card to any other person,
earn rewards. If it does, we will separately provide you
they are an Authorized User. We may require certain
with information and terms about the rewards.
information about them. We may limit their ability to use
your Card. They may have access to certain information
Access Checks
about your Account. You will be responsible for their use
We may provide you with Access Checks. If we do, we
of the Account and anyone else they allow to use your
will tell you at the time if we consider them purchases,
Account, even if you did not want, or agree to, that use.
Cash Advances or Special Transfers.
Removing an Authorized User
Only the person we designate may use Access Checks.
You may not use them to pay any amount you owe us or
If you want to remove an Authorized User from your
any other company in the Capital One organization. We
Account, you must contact Customer Service and request
may reject and not pay any Access Check if:
their removal. You also must immediately destroy all Cards
in their possession and cancel any arrangements they may
(1) your Account is past due, charged off, bankrupt, lost/
have set up on your Account. They will be able to use your
stolen or closed;
Account until you have notified us that you are removing
(2) we suspect fraud;
them from your Account. During this time, you will still be
(3) your Account is over the credit limit; or
responsible for all amounts they charge to your Account. You
(4) the check has expired, is damaged or cannot
will be responsible even if these amounts do not appear on
otherwise be processed.
your Account until later.
Our liability if we do not pay an Access Check will never
Authorized Users may remove themselves from your
be more than (1) your actual damages or (2) the amount
Account upon request. We reserve the right to remove
of the Access Check, whichever is less.
them from your Account for any reason. To remove them
Use of an Access Check is not the same as using your
from your Account, we may close your existing Account
and issue a new Card with a new Account number.
Card. When you use an Access Check, you will have
fewer rights to dispute merchant transactions than
Your Promise to Pay
with uses of your Card. Please see the "Billing Rights
You promise to pay us all amounts due on your Account.
Summary" on your Statement and your other Truth-in-
This includes amounts where you did not sign a purchase
Lending Disclosures for more information.
slip or other documents for the transaction. We will treat
Stopping Payment of Access Checks
transactions made without presenting your actual Card
You may request a stop payment on any Access Check
(such as for mail, telephone, Internet, or mobile device
by contacting Customer Service.
purchases) the same as if you used the Card in person. If
you let someone else use your Card, you are responsible
We will have a reasonable amount of time after your
for all transactions that person makes.
stop payment request to research and complete the
stop payment. We will not be responsible if we cannot
Statements
complete the stop payment. Reasons include:
We will generally send or make available to you one
Statement for all Cards on your Account at the end of
(1) the Access Check was already paid;
each Billing Cycle. Under certain circumstances, the law
(2) you do not give us the information we asked for; or
may not require us to send or make available to you a
(3) the information you gave us was incorrect.
Statement, or may prohibit us from doing SO.
We do not have to release the stop payment order unless
the account holder who made the request asks us to.
Disputed Transactions
If we re-credit your Account after a valid stop payment
You must inspect each Statement you receive. Tell us
order, you give us all of your rights against the payee or
about any errors or questions you have, as described
other holder of the paid Access Check. You also agree to
in the "Billing Rights Summary" on your Statement and
help us in any legal action we may later take against the
other Truth-in-Lending Disclosures. If you do not notify
payee or other holder of the check.
us of an error, we will assume that all information on the
Statement is correct.
Using a PIN
If we credit your Account for all or part of a disputed
We may give you a personal identification number (PIN).
transaction, you give us all of your rights against others
For security reasons, you may have to provide the PIN
regarding that transaction. You will also:
before you are able to use your Card.
(1) give us any information about the disputed
Keep your PIN secure. Do not write it down, give it
transaction, if we ask;
to anyone, or keep it with your Card. If you lose your
(2) not pursue any claim or reimbursement of the
Card or believe the confidentiality of your PIN has
transaction amount from the merchant or any other
been compromised for any reason, you must contact
person; and
Customer Service immediately.
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(3) help us get reimbursement from others.
Stop Payment Fee
No Warranties
We may charge you this Fee each time you ask us to
(1) stop payment on an Access Check or (2) renew an
We are not responsible for any claim you may have
regarding the purchase of goods or services made with
existing stop payment order.
your Card beyond your rights described in the "Billing
Cash Advance Fee
Rights Summary" on your Statement.
We may charge you this Fee each time you take out a
Lost or Stolen Card
Cash Advance. We will treat this Fee as a Cash Advance
transaction.
If your Card is lost or stolen or if you think someone else
may be using your Card or Account number without your
Transfer Fee
permission, you must contact Customer Service immediately.
We may charge you this Fee each time you make a
You will not be responsible for transactions on your Account
Transfer. We will charge the Fee to the same Segment
that we find are unauthorized.
where we post the Transfer.
If we reimburse you for unauthorized transactions, you
Transactions Made in Foreign Currencies
will help us investigate, pursue and get reimbursement
from the wrongdoer. Your help includes giving us
If you make a transaction in a foreign currency, the
documents in a form that we request.
Payment Card Network will convert it into a U.S. dollar
amount. The Payment Card Network will use its own
Interest Charges and Fees
currency conversion procedures. The conversion rate
We will charge Interest Charges and Fees to your Account
in effect on the processing date may differ from the rate
as disclosed on your Statement and other Truth-in-Lending
in effect on the transaction date that appears on your
Disclosures. In general, Interest Charges begin to accrue
Statement. We do not adjust the currency exchange rate
from the day a transaction occurs. However, we will not
or charge any currency conversion Fees.
charge you interest on any new transactions posted to the
Minimum Payment
purchase Segment of your Account if you paid the total
balance across all Segments of your Account in full by
You must pay us at least the minimum payment amount
the due date on your Statement each month. From time
by the payment due date. Your Statement will tell you:
to time, we may give you offers that allow you to pay less
(1) the minimum payment due,
than the total balance and avoid Interest Charges on new
(2) your new balance,
purchase Segment transactions. If we do, we will provide
(3) the payment due date, and
details in the specific offer.
(4) an explanation of when the payment must reach us
We will generally treat Fees as purchase transactions
for us to consider it received as of that date.
unless otherwise specified below. These Fees apply to
Returns and other credits to your Account will reduce
your Account only if your Truth-in-Lending Disclosures
your Account balance, but they will not change your
provide for them. We may increase your Interest Charges
minimum payment amount.
and Fees as described in the Changes to Your Agreement
section or in your Truth-in-Lending Disclosures.
In addition to the minimum payment, you may pay
all or part of the total balance on your Account. But,
Membership Fee
you must still pay at least the minimum payment
If your Account has a membership Fee, we may charge
amount each month, even if you paid more than the
the first membership Fee either on the day you activate
minimum payment due on the previous Statement. We
your Card or on the day when you use your Account,
will continue to charge Interest Charges during Billing
whichever occurs first. If your Account terms include a
Cycles when you carry a balance regardless of whether
$0 introductory Fee, we may charge the first Fee when
your Statement includes a minimum payment that is
the introductory period ends. If it is an annual Fee, we
due. If your Account is 180 days past due, is part of a
may then charge it approximately once per year. If it is a
bankruptcy proceeding or is otherwise charged off, the
monthly Fee, we may charge it each Billing Cycle.
total balance is immediately due and payable.
Late Payment Fee
Making Payments
We may charge you this Fee if we do not receive
Your payment must be made in U.S. dollars from a U.S.
your payment as instructed on your Statement by the
deposit account in a form acceptable to us. We do not
payment due date.
accept cash payments through the mail. You may not
make payments with funds from your Account or any
Returned Payment Fee
other credit account with us or any other company in
We may charge you this Fee each time your financial
the Capital One organization. You must send mailed
institution for any reason rejects a payment you make to us.
payments to us as instructed on your Statement, unless
we tell you otherwise.
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Other Payment Services
Capital One
We may make services available that allow you to make
PO Box 1330
faster or recurring payments online or by telephone. We
Charlotte, NC 28201-1330
will describe the terms for using these services and any
This includes Items marked "Paid in Full" or similar
applicable Fee before you use them. You do not have to
language. This also includes all accompanying
use these other payment services.
communications.
We are not responsible if your financial institution rejects
If you make such a payment or send any accompanying
a payment made using our payment services.
communications to any other address, we may reject it
If you ask someone else to make a payment for you,
and return it to you. We may also accept it and process
we may provide that person with limited Account
it without losing any of our rights.
information necessary to set up and process that
Credit Balances
payment. We may also refuse to accept that payment. If
we do accept it, you will be responsible for that payment
We may reject and return any payment that creates or adds
even if a financial institution rejects it.
to a credit balance on your Account. Any credit balance
we allow will not be available until we confirm that your
Payment Processing
payment has cleared. We may reduce the amount of any
We may accept and process payments without losing
credit balance by any new charges. You may write to the
any of our rights. We may delay the availability of
address provided on your Statement or call Customer
credit until we confirm that your payment has cleared.
Service to request a refund of any available credit balance.
This may happen even if we credit your payment to
Account Default
your Account. We may resubmit and collect returned
You will be in default if:
payments electronically. If necessary, we may adjust
your Account to correct errors, process returned and
(1) you do not make any payment when it is due;
reversed payments, and handle similar issues.
(2) any payment you make is rejected, not paid or
When you send us an Item as payment, you authorize
cannot be processed;
us to make a one-time electronic fund transfer from
(3) you exceed a credit limit;
your deposit account. You also authorize us to process
(4) you file or become the subject of a bankruptcy or
the payment as an Item. We may withdraw the funds
insolvency proceeding;
from your deposit account as early as the same day
(5) you are unable or unwilling to repay your obligations,
we receive your payment. You will not receive your
including upon death or legally declared incapacity;
Item back from your bank. We will provide additional
(6) we determine that you made a false, incomplete or
information about this process on your Statement.
misleading statement to us, or you otherwise tried to
defraud us;
We may use the information from an Item to create an
(7) you do not comply with any term of this Agreement
electronic image. We may collect and return the image
or any other agreement with us; or
electronically. This electronic image may also be converted
(8) you permanently reside outside the United States.
to a substitute check and may be processed in the same
way we would process an Item. We will not be responsible
If you are in default, we may take certain actions with
if an Item you provide has physical features that when
respect to your Account. For example, depending on the
imaged result in it not being processed as you intended.
default, we may take the following actions, without notifying
you, unless the law says that we must give you notice:
How We Apply Your Payments
(1) charge you Fees, or change the APRs and Fees on
Your Account may have Segments with different Annual
your Account, if provided in your Truth-in-Lending
Percentage Rates (APR). For example, purchases may
Disclosures;
have a lower APR than Cash Advances. If your Account
(2) close or suspend your Account;
has Segment balances with different APRs, here is how
(3) lower your credit limit(s);
we apply payments in a Billing Cycle:
(4) demand that you immediately pay the total balance
(1) We generally apply credits and payments up to
owing on your Account;
your minimum payment first to the balance with the
(5) continue to charge you Interest Charges and Fees as
lowest APR, and then to balances with higher APRs.
long as your balance remains outstanding; and/or
(2) We apply any part of your payment exceeding your
(6) file a lawsuit against you, or pursue another action that
minimum payment to the balance with the highest
is not prohibited by law. If we file a lawsuit, you agree to
APR, and then to balances with lower APRs.
pay our court costs, expenses and attorney fees, unless
the law does not allow us to collect these amounts.
Items with Restrictive Words, Conditions,
or Instructions
Communications
You must mail all Items bearing restrictive words,
You agree that we may communicate with you by mail,
conditions, limitations, or special instructions to:
telephone, email, fax, prerecorded message, automated
4
voice, text message or other means allowed by law
Waiver
regarding your Account.
We will not lose any of our rights if we delay or choose
You agree that we may contact you at any telephone
not to take any action for any reason. We may waive our
number (including a mobile telephone number that
right without notifying you. For example, we may waive
you provide us), and use an automated telephone
your Interest Charges or Fees without notifying you and
dialing system or similar device to do SO. You agree that
without losing our right to charge them in the future.
we may monitor or record any conversation or other
Assignment
communication with you.
This Agreement will be binding on, and benefit, any of
Credit Reports
your and our successors and assigns. You may not sell,
We may report information about your Account to credit
assign or transfer your Account or this Agreement to
bureaus and others. Late payments, missed payments,
someone else without our written permission.
or other defaults on your Account may be reflected in
We may sell, assign or transfer your Account and this
your credit report. Information we provide may appear
Agreement without your permission and without prior
on your and the Authorized Users' credit reports.
notice to you. Any assignee or assignees will take our
If you believe that we have reported inaccurate
place under this Agreement. You must pay them and
information about your Account to a credit bureau or
perform all of your obligations to them and not us. If you
other consumer reporting agency, notify us in writing at
pay us after we notify you that we have transferred your
PO Box 30281, Salt Lake City, UT 84130-0281. When
Account or this Agreement, we can return the payment
you write, tell us the specific information that you believe
to you, forward the payment to the assignee, or handle it
is incorrect and why you believe it is incorrect.
in another way that is reasonable.
We may obtain and use credit, income and other information
Glossary
about you from credit bureaus and others as the law allows.
"Access Check" means any check we send to you to
Closing or Suspending Your Account
access credit from your Account. We may also refer
to an Access Check as a "convenience check" or a
You may contact Customer Service to ask us to close
"purchase check".
your Account.
"Account" means your Card Account with us.
We may close or suspend your Account at any time and for
any reason permitted by law, even if you are not in default.
"Authorized User" means a person who may use the
Card, but is not responsible for the repayment of the
If we close or suspend your Account for any reason,
Account.
you must stop using your Card. You must also cancel all
billing arrangements set up on the Account. If we close
"Balance Transfer" means a Transfer posted to the
or permanently suspend your Account, you must return
purchase Segment of your Account unless otherwise
or destroy all Cards. You must still pay us all amounts
described in your Truth-in-Lending Disclosures.
you owe on the Account.
"Billing Cycle" means the period of time reflected on
Changes to Your Agreement
a Statement. This period may vary in length, but is
approximately 30 days. You will have a Billing Cycle
At any time, we may add, delete or change any term of
even if a Statement is not required. We will often
this Agreement, unless the law prohibits us from doing
specify a Billing Cycle by the month in which its closing
SO. We will give you notice of any changes as required
date occurs. For example, a "March Billing Cycle" will
by law. We may notify you of changes on your Statement
have a closing date in March. We may also refer to
or in a separate notice. Our notice will tell you when and
a Billing Cycle as a "Billing Period". If your Account
how the changes will take effect. The notice will describe
balance has charged off, we may switch to quarterly
any rights you have in connection with the changes.
Billing Cycles for your Account.
Your variable APRs (if applicable) can go up or down as
"Card" means any Capital One credit card associated
the index for the rate goes up or down. If we increase
with your Account. This includes all renewals and
your APRs for any other reason, or if we change your
substitutions. It also means any other access device
Fees or other terms of your Account, we will notify you
for your Account we give you that allows you to obtain
as required by law.
credit, including any Account number.
The Law That Applies to Your Agreement
"Cash Advance" means a loan in cash or things we
We make decisions to grant credit and issue you a Card
consider cash equivalents, including wire transfers,
from our offices in Virginia. This Agreement is governed
travelers' checks, money orders, foreign currency,
by applicable federal law and by Virginia law. If any part
lottery tickets, gaming chips, and wagers. We post
of this Agreement is unenforceable, the remaining parts
Cash Advances to the Cash Advance Segment of your
will remain in effect.
Account and not to your purchase Segment.
5
"Fees" means charges imposed on your Account not
"Special Transfer" means a Transfer posted to a
based on the Annual Percentage Rates.
Segment of your Account that is not your purchase
"Interest Charges" means any charges to your Account
Segment or Cash Advance Segment.
based on the application of Annual Percentage Rates.
"Statement" means a document showing important
"Item" means a check, draft, money order or other
Account information, including all transactions billed to
negotiable instrument you use to pay your Account.
your Account during a Billing Cycle and information about
This includes any image of these instruments. This
what you must pay. We may also refer to your Statement
does not include an Access Check.
as a "Periodic Statement" or a "Billing Statement".
"Transfers" means amounts transferred from other
"Payment Card Network" means the network provider
accounts to this Account and includes Balance
displayed on your Card. This may be Visa Inc.,
MasterCard International Incorporated, or any other
Transfers and Special Transfers.
network provider.
"Truth-in-Lending Disclosures" means disclosures that
"Segments" means the different parts of your Account
the federal Truth in Lending Act and Regulation Z
we may establish that are subject to unique APRs,
require for any Account. This includes your application
pricing, or other terms. We create these parts of your
and solicitation disclosures, Account opening
Account for such things as your purchases, Balance
disclosures, subsequent disclosures, Statements, and
Transfers, Cash Advances and Special Transfers.
change in terms notices.
The sum of your Segment balances equals your total
Account balance.
CapitalOne
© 2014 Capital One
Capital One is a federally registered service mark.
All rights reserved.
BR281644 M-112861
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COF Customer Agreement 305