Credit Card Agreement for Capital One Walmart Rewards 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 June 30, 2021. The combination of terms that could apply to you will differ depending on
the specific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The
Customer Agreement contains important information related to consumer credit cards issued by Capital One, N.A. Please
visit www.capitalone.com to view our online credit card offers. 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).
Annual Percentage Rate
Annual Percentage Rate
17.99% - 26.99%.
(APR) for Purchases and
Quick Cash
This APR will vary with the market based on the Prime Rate.
APR for Transfers
17.99% - 26.99%.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
26.99%.
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 you 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.
Fees
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 3% of the amount of each cash advance, whichever is greater.
Penalty Fees
Late Payment
Up to $39.
How Do You Calculate My Balance? We use a method called "average daily balance (including new transactions)." See
"How Do You Calculate The Interest Charge?" section below.
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: Purchase and Quick Cash APR: Prime plus 14.74% - 23.74%; Transfer APR: Prime plus 14.74% -
23.74%; Cash Advance APR: Prime plus 23.74%. Any increase in the Prime Rate may increase your Interest Charges and
your Minimum Payment.
What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Purchase and Quick
Cash APR is 0.04929% - 0.07395%, Transfer APR is 0.04929% - 0.07395%, and Cash Advance APR is 0.07395%. See "How
Do You Calculate The Interest Charge?" section below.
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
Credit Limits
Thank you for opening a credit card account with us.
When you open your Account, we will tell you your credit
This Customer Agreement, including any changes to it
limits. These will also appear on your Statement. We may
("Agreement"), contains the terms of your agreement
also refer to your credit limits as your credit lines. We
with Capital One.
may give you different credit limits for different types of
transactions or for the different Segments of your Account.
Definitions
The meanings of the terms you see in italics appear in
You are responsible for keeping track of your Segment
the Glossary section at the end of this Agreement.
balances and your available credit. You must manage
your Account to remain below your credit limits. We may
As used here, "you" and "your" mean each applicant
honor transactions above your credit limits, but if we do
and co-applicant for the Account; any person responsible
these transactions will not increase your credit limit. You
for paying the Account; and any person responsible for
are responsible for paying for any transaction you make
complying with this Agreement. "We," "us," "our," and
above your credit limits.
"Capital One" mean Capital One, National Association;
and its agents, authorized representatives, successors,
We may also increase, decrease, restrict or cancel your
and assignees.
credit limit on any Segment at any time. This will not
affect your obligation to pay us.
Account Documents
Using Your Account
The following documents govern your Account with us:
(1) This Agreement applies whether or not you use your
(1) this Agreement;
Card or Account. It will continue to apply even after
(2) all Statements;
your Account is closed, as long as you have a balance.
(3) any rewards program terms, conditions, and disclosures;
(2) You must sign the Card immediately when you
(4) any privacy notices;
receive it.
(5) your Card benefits brochure which describes
(3) You must return the Card to us or destroy it if we ask
benefits provided by the Payment Card Network for
you to.
your Account;
(4) You must take reasonable steps to prevent the
(6) all disclosures and materials provided to you before
unauthorized use of your Card, Access Checks
or when you opened your Account;
and Account.
(7) any other documents and disclosures relating to your
(5) We may decline to authorize a transaction for any
Account, including those provided online; and
reason. This may occur even if the transaction would
(8) any future changes we make to any of the above.
not cause you to go over your credit limit or your
Please read these carefully and keep them for
Account is not in default.
future reference.
(6) We are not responsible for any losses you incur if we
do not authorize a transaction.
New Offers
(7) We are not responsible for any losses you incur if
In the future, we may provide you with new offers that we
anyone refuses to accept your Card for any reason.
think may interest you. The terms of these offers may differ
(8) Unless we tell you otherwise, we will bill each
from the standard terms on your Account. This Agreement
transaction to the applicable Segment of your
will still apply.
Account. We will apply it against your available credit
for that Segment.
Account Information
(9) You may obtain Quick Cash at participating Walmart-
We need information about you to manage your
owned registers as permitted for your Account.
Account. This includes:
(10) You must not use, or try to use, the Card for any
(1) your legal name;
illegal activity. You are responsible for any charges
(2) a valid U.S. mailing address and residential address
if you do.
(if different);
(11) We are not liable for any losses that may result
when our services are unavailable due to reasons
(3) your date of birth;
(4) your Social Security number or other government
beyond our control.
identification number;
(12) You may use your Account for purchases anywhere
(5) your telephone number(s); and
Mastercard is accepted, and you may obtain Cash
(6) your employment and income information.
Advances and Transfers as permitted for your
Account. You may not use these to pay any
You must tell us when this information changes. We may
amount you owe us or any other company in
ask you for additional documents to verify any changes.
the Capital One organization.
We may restrict or close your Account if we cannot verify
your information, or if you do not provide it as requested.
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Rewards
Your Promise to Pay
Your Account may provide you with the opportunity to
You promise to pay us all amounts due on your Account.
earn rewards. If it does, we will separately provide you
This includes amounts where you did not sign a purchase
with information and terms about the rewards.
slip or other documents for the transaction. We will treat
Promotional Credit Plans
transactions made without presenting your actual Card
(such as for mail, telephone, Internet, or mobile device
From time to time, we may offer one or more
purchases) the same as if you used the Card in person. If
promotional Segments prior to or at the time of your
you let someone else use your Card, you are responsible
purchase. Only certain purchases may be eligible for
for all transactions that person makes.
promotional Segments. These offers may have special
repayment terms and are conditioned on your timely
Statements
payment of at least the requirement payment amount
We will generally send or make available to you one
each Billing Cycle.
Statement for all Cards on your Account at the end of
1. Waived Interest Charge - With this offer there are
each Billing Cycle. Under certain circumstances, the law
no Interest Charges on your purchases for a
may not require us to send or make available to you a
specified period.
Statement, or may prohibit us from doing SO.
2. Reduced Rate - With this offer, you will receive a
Disputed Transactions
reduced Annual Percentage Rate (APR) on your
You must inspect each Statement you receive. Tell us
purchase for a specified period.
about any errors or questions you have, as described
Using a PIN
in the "Billing Rights Summary" on your Statement and
We may give you a personal identification number (PIN).
other Truth-in-Lending Disclosures. If you do not notify
For security reasons, you may have to provide the PIN
us of an error, we will assume that all information on the
before you are able to use your Card.
Statement is correct.
Keep your PIN secure. Do not write it down, give it
If we credit your Account for all or part of a disputed
to anyone, or keep it with your Card. If you lose your
transaction, you give us all of your rights against others
Card or believe the confidentiality of your PIN has
regarding that transaction. You will also:
been compromised for any reason, you must contact
(1) give us any information about the disputed
Customer Service immediately.
transaction, if we ask;
Authorized Users
(2) not pursue any claim or reimbursement of the
transaction amount from the merchant or any other
If you ask us to issue a Card to any other person,
person; and
they are an Authorized User. We may require certain
(3) help us get reimbursement from others.
information about them. We may limit their ability to use
your Card. They may have access to certain information
No Warranties
about your Account. You will be responsible for their use
We are not responsible for any claim you may have
of the Account and anyone else they allow to use your
regarding the purchase of goods or services made with
Account, even if you did not want, or agree to, that use.
your Card beyond your rights described in the "Billing
Removing an Authorized User
Rights Summary" on your Statement.
If you want to remove an Authorized User from your
Lost or Stolen Card
Account, you must contact Customer Service and
If your Card is lost or stolen or if you think someone else
request their removal. You also must immediately
may be using your Card or Account number without
destroy all Cards in their possession and cancel any
your permission, you must contact Customer Service
arrangements they may have set up on your Account.
immediately. You will not be responsible for transactions
They will be able to use your Account until you have
on your Account that we find are unauthorized.
notified us that you are removing them from your
Account. During this time, you will still be responsible
If we reimburse you for unauthorized transactions, you will
for all amounts they charge to your Account. You will be
help us investigate, pursue and get reimbursement from
responsible even if these amounts do not appear on your
the wrongdoer. Your help includes giving us documents in
Account until later.
a form that we request.
Authorized Users may remove themselves from your
Interest Charges and Fees
Account upon request. We reserve the right to remove
We will charge Interest Charges and Fees to your Account
them from your Account for any reason. To remove them
as disclosed on your Statement and other Truth-In-
from your Account, we may close your existing Account
Lending Disclosures. In general, Interest Charges begin
and issue a new Card with a new Account number.
to accrue on any unpaid amount from the date of the
transaction, date the transaction is processed or the first
2
day of the Billing Cycle. However, we will not charge you
In addition to the minimum payment, you may pay
interest on any new transactions posted to the purchase
all or part of the total balance on your Account. But,
Segment of your Account if you pay your "New Balance"
you must still pay at least the minimum payment
in full by the due date on your Statement each month. If
amount each month, even if you paid more than the
you did not pay your "New Balance" in full when due for
minimum payment due on the previous Statement. We
a Billing Cycle, interest will continue to accrue between
will continue to charge Interest Charges during Billing
the time that we calculate your "New Balance," as
Cycles when you carry a balance regardless of whether
reflected on your Statement, and when we receive your
your Statement includes a minimum payment that is
payment. This interest will post on your next Statement.
due. If your Account is 180 days past due, is part of a
That is why if you start accruing Interest Charges, you
bankruptcy proceeding or is otherwise charged off, the
generally must pay your "New Balance" in full for two
total balance is immediately due and payable.
consecutive Billing Cycles before Interest Charges stop
posting to your Statement. Please note, however, that
Making Payments
Interest Charges will begin accruing immediately for any
Your payment must be made in U.S. dollars from a U.S.
Cash Advances and other transactions that do not post
deposit account in a form acceptable to us. We do not
to the purchase Segment. From time to time, we may
accept cash payments through the mail. You may not
provide you offers that allow you to pay less than the
make payments with funds from your Account or any other
"New Balance" in full and avoid Interest Charges on new
credit account with us or any other company in the Capital
purchase Segment transactions. If we do, we will provide
One organization. You must send mailed payments to us as
details in the specific offer.
instructed on your Statement, unless we tell you otherwise.
We will generally treat Fees as purchase transactions
Other Payment Services
unless otherwise specified below. These Fees apply to
We may make services available that allow you to make
your Account only if your Truth-in-Lending Disclosures
faster or recurring payments online or by telephone. We
provide for them. We may increase your Interest Charges
will describe the terms for using these services and any
and Fees as described in the Changes to Your Agreement
applicable Fee before you use them. You do not have to
section or in your Truth-in-Lending Disclosures.
use these other payment services.
Membership Fee
We are not responsible if your financial institution rejects
If your Account has a membership Fee, we may charge
a payment made using our payment services.
the first membership Fee either on the day you activate
If you ask someone else to make a payment for you, we
your Card or on the day when you use your Account,
may provide that person with limited Account information
whichever occurs first. If your Account terms include a
necessary to set up and process that payment. We may
$0 introductory Fee, we may charge the first Fee when
also refuse to accept that payment. If we do accept
the introductory period ends. If it is an annual Fee, we
it, you will be responsible for that payment even if a
may then charge it approximately once per year. If it is a
financial institution rejects it.
monthly Fee, we may charge it each Billing Cycle.
Payment Processing
Late Payment Fee
We may accept and process payments without losing
We may charge you this Fee if we do not receive
any of our rights. We may delay the availability of
your payment as instructed on your Statement by the
credit until we confirm that your payment has cleared.
payment due date.
This may happen even if we credit your payment to
Returned Payment Fee
your Account. We may resubmit and collect returned
We may charge you this Fee each time your financial
payments electronically. If necessary, we may adjust
your Account to correct errors, process returned and
institution for any reason rejects a payment you make
reversed payments, and handle similar issues.
to us.
When you send us an Item as payment, you authorize
Minimum Payment
us to make a one-time electronic fund transfer from
You must pay us at least the minimum payment amount
your deposit account. You also authorize us to process
by the payment due date. Your Statement will tell you:
the payment as an Item. We may withdraw the funds
(1) the minimum payment due,
from your deposit account as early as the same day
(2) your new balance,
we receive your payment. You will not receive your
(3) the payment due date, and
Item back from your bank. We will provide additional
(4) an explanation of when the payment must reach us
information about this process on your Statement.
for us to consider it received as of that date.
We may use the information from an Item to create an
Returns and other credits to your Account will reduce
electronic image. We may collect and return the image
your Account balance, but they will not change your
electronically. This electronic image may also be converted
minimum payment amount.
to a substitute check and may be processed in the same
3
way we would process an Item. We will not be responsible
(7) you do not comply with any term of this Agreement
if an Item you provide has physical features that when
or any other agreement with us; or
imaged result in it not being processed as you intended.
(8) you permanently reside outside the United States.
How We Apply Your Payments
If you are in default, we may take certain actions with
Your Account may have Segments with different Annual
respect to your Account. For example, depending on the
Percentage Rates (APR). For example, purchases
default, we may take the following actions, without notifying
(including Quick Cash) may have a lower APR than
you, unless the law says that we must give you notice:
Cash Advances. If your Account has Segment balances
(1) charge you Fees, or change the APRs and Fees on
with different APRs, here is how we apply payments in a
your Account, if provided in your Truth-in-Lending
Billing Cycle:
Disclosures;
(1) We generally apply credits and payments up to your
(2) close or suspend your Account;
minimum payment first to the balance with the lowest
(3) lower your credit limit(s);
APR, and then to balances with higher APRs.
(4) demand that you immediately pay the total balance
(2) We apply any part of your payment exceeding your
owing on your Account;
minimum payment to the balance with the highest
(5) continue to charge you Interest Charges and Fees as
APR, and then to balances with lower APRs.
long as your balance remains outstanding; and/or
(6) file a lawsuit against you, or pursue another action that
Items with Restrictive Words, Conditions,
is not prohibited by law. If we file a lawsuit, you agree to
or Instructions
pay our court costs, expenses and attorney fees, unless
You must mail all Items bearing restrictive words,
the law does not allow us to collect these amounts.
conditions, limitations, or special instructions to:
Communications
Capital One
You agree that we may communicate with you by mail,
PO Box 1330
telephone, email, fax, prerecorded message, automated
Charlotte, NC 28201-1330
voice, text message or other means allowed by law
This includes Items marked "Paid in Full" or similar
regarding your Account.
language. This also includes all accompanying
You agree that we may contact you at any telephone
communications.
number (including a mobile telephone number that
If you make such a payment or send any accompanying
you provide us), and use an automated telephone
communications to any other address, we may reject it
dialing system or similar device to do SO. You agree that
and return it to you. We may also accept it and process
we may monitor or record any conversation or other
it without losing any of our rights.
communication with you.
Credit Balances
Some of our communications, including this Agreement,
are available in both English and Spanish. You will be
We may reject and return any payment that creates or
given the opportunity to select which of these language
adds to a credit balance on your Account. Any credit
you would prefer for future communications. Capital One
balance we allow will not be available until we confirm
reserves the right to send communications in English.
that your payment has cleared. We may reduce the
Some online services and other important communications
amount of any credit balance by any new charges. You
about your Account may only be available in English. You
may write to the address provided on your Statement
should review all communications we send to you in both
or call Customer Service to request a refund of any
languages, as they may contain important information
available credit balance.
about your Account.
Account Default
Credit Reports
You will be in default if:
We may report information about your Account to credit
(1) you do not make any payment when it is due;
bureaus and others. Late payments, missed payments, or
(2) any payment you make is rejected, not paid or
other defaults on your Account may be reflected in your
cannot be processed;
credit report. Information we provide may appear on your
(3) you exceed a credit limit;
and the Authorized Users' credit reports.
(4) you file or become the subject of a bankruptcy or
If you believe that we have reported inaccurate information
insolvency proceeding;
about your Account to a credit bureau or other consumer
(5) you are unable or unwilling to repay your obligations,
reporting agency, notify us in writing at PO Box 30281,
including upon death or legally declared incapacity;
Salt Lake City, UT 84130-0281. When you write, tell us the
(6) we determine that you made a false, incomplete or
specific information that you believe is incorrect and why
misleading statement to us, or you otherwise tried to
you believe it is incorrect.
defraud us;
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We may obtain and use credit, income and other
Access Checks
information about you from credit bureaus and others as
We may provide you with Access Checks. If we do, we
the law allows.
will tell you at the time if we consider them purchases,
Closing or Suspending Your Account
Cash Advances or Special Transfers.
You may contact Customer Service to ask us to close
Only the person we designate may use Access Checks.
your Account.
You may not use them to pay any amount you owe us or
We may close or suspend your Account at any time
any other company in the Capital One organization. We
and for any reason permitted by law, even if you are
may reject and not pay any Access Check if:
not in default.
(1) your Account is past due, charged off, bankrupt,
lost/stolen or closed;
If we close or suspend your Account for any reason,
(2) we suspect fraud;
you must stop using your Card. You must also cancel all
(3) your Account is over the credit limit; or
billing arrangements set up on the Account. If we close
(4) the check has expired, is damaged or cannot
or permanently suspend your Account, you must return
otherwise be processed.
or destroy all Cards. You must still pay us all amounts
you owe on the Account.
Our liability if we do not pay an Access Check will never
be more than (1) your actual damages or (2) the amount
Changes to Your Agreement
of the Access Check, whichever is less.
At any time, we may add, delete or change any term of
this Agreement, unless the law prohibits us from doing
Use of an Access Check is not the same as using your
SO. We will give you notice of any changes as required
Card. When you use an Access Check, you will have
by law. We may notify you of changes on your Statement
fewer rights to dispute merchant transactions than
or in a separate notice. Our notice will tell you when and
with uses of your Card. Please see the "Billing Rights
how the changes will take effect. The notice will describe
Summary" on your Statement and your other Truth-in-
any rights you have in connection with the changes.
Lending Disclosures for more information.
Your variable APRs (if applicable) can go up or down as the
Stopping Payment of Access Checks
index for the rate goes up or down. If we increase your APRs
You may request a stop payment on any Access Check
for any other reason, or if we change your Fees or other
by contacting Customer Service.
terms of your Account, we will notify you as required by law.
We will have a reasonable amount of time after your
The Law That Applies to Your Agreement
stop payment request to research and complete the
We make decisions to grant credit and issue you a Card
stop payment. We will not be responsible if we cannot
from our offices in Virginia. This Agreement is governed
complete the stop payment. Reasons include:
by applicable federal law and by Virginia law. If any part
(1) the Access Check was already paid;
of this Agreement is unenforceable, the remaining parts
(2) you do not give us the information we asked for; or
will remain in effect.
(3) the information you gave us was incorrect.
Waiver
We do not have to release the stop payment order unless
We will not lose any of our rights if we delay or choose
the account holder who made the request asks us to.
not to take any action for any reason. We may waive our
If we re-credit your Account after a valid stop payment
right without notifying you. For example, we may waive
order, you give us all of your rights against the payee or
your Interest Charges or Fees without notifying you and
other holder of the paid Access Check. You also agree to
without losing our right to charge them in the future.
help us in any legal action we may later take against the
payee or other holder of the check.
Assignment
This Agreement will be binding on, and benefit, any of
Stop Payment Fee
your and our successors and assigns. You may not sell,
We may charge you this Fee each time you ask us to
assign or transfer your Account or this Agreement to
(1) stop payment on an Access Check or (2) renew an
someone else without our written permission.
existing stop payment order.
We may sell, assign or transfer your Account and this
Cash Advance Fee
Agreement without your permission and without prior
We may charge you this Fee each time you take out a
notice to you. Any assignee or assignees will take our
Cash Advance. We will treat this Fee as a Cash Advance
place under this Agreement. You must pay them and
transaction.
perform all of your obligations to them and not us. If you
pay us after we notify you that we have transferred your
Transfer Fee
Account or this Agreement, we can return the payment
We may charge you this Fee each time you make a
to you, forward the payment to the assignee, or handle it
Transfer. We will charge the Fee to the same Segment
in another way that is reasonable.
where we post the Transfer.
5
Transactions Made in Foreign Currencies
"Interest Charges" means any charges to your Account
If you make a transaction in a foreign currency, the
based on the application of Annual Percentage Rates.
Payment Card Network will convert it into a U.S. dollar
"Item" means a check, draft, money order or other
amount. The Payment Card Network will use its own
negotiable instrument you use to pay your Account. This
currency conversion procedures. The conversion rate
includes any image of these instruments. This does not
in effect on the processing date may differ from the rate
include an Access Check.
in effect on the transaction date that appears on your
Statement. We do not adjust the currency exchange rate
"Payment Card Network" means the network provider
or charge any currency conversion Fees.
displayed on your Card. This may be Visa Inc.,
Mastercard International Incorporated, or any other
Glossary
network provider.
"Access Check" means any check we send to you to
"Quick Cash" means cash that may be obtained in
access credit from your Account. We may also refer
$20 increments, up to any limit we may set, at the
to an Access Check as a "convenience check" or a
time a purchase transaction is made using your Card at
"purchase check".
participating Walmart-owned registers. Quick Cash
"Account" means your Card Account with us.
is not available if you are using Walmart Pay. Quick
Cash transactions will be treated as part of the
"Authorized User" means a person who may use
purchase Segment of your Account for the purpose
the Card, but is not responsible for the repayment
of calculating interest.
of the Account.
"Segments" means the different parts of your Account
"Balance Transfer" means a Transfer posted to the
we may establish that are subject to unique APRs,
purchase Segment of your Account unless otherwise
pricing, or other terms. We create these parts of your
described in your Truth-in-Lending Disclosures.
Account for such things as your purchases, Balance
"Billing Cycle" means the period of time reflected on
Transfers, Cash Advances and Special Transfers.
a Statement. This period may vary in length, but is
The sum of your Segment balances equals your total
approximately 30 days. You will have a Billing Cycle
Account balance.
even if a Statement is not required. We will often specify
"Special Transfer" means a Transfer posted to a
a Billing Cycle by the month in which its closing date
Segment of your Account that is not your purchase
occurs. For example, a "March Billing Cycle" will have
Segment or Cash Advance Segment.
a closing date in March. We may also refer to a Billing
Cycle as a "Billing Period". If your Account balance has
"Statement" means a document showing important
charged off, we may switch to quarterly Billing Cycles for
Account information, including all transactions billed to
your Account.
your Account during a Billing Cycle and information about
what you must pay. We may also refer to your Statement
"Card" means any Capital One credit card associated
as a "Periodic Statement" or a "Billing Statement".
with your Account. This includes all renewals and
substitutions. It also means any other access device for
"Transfers" means amounts transferred from other
your Account we give you that allows you to obtain credit,
accounts to this Account and includes Balance
including any Account number.
Transfers and Special Transfers.
"Cash Advance" means a loan in cash or things we
"Truth-in-Lending Disclosures" means disclosures that
consider cash equivalents, including wire transfers,
the federal Truth in Lending Act and Regulation Z
travelers' checks, money orders, foreign currency,
require for any Account. This includes your application
lottery tickets, gaming chips, and wagers. We post
and solicitation disclosures, Account opening
Cash Advances to the Cash Advance Segment of your
disclosures, subsequent disclosures, Statements, and
Account and not to your purchase Segment.
change in terms notices.
"Fees" means charges imposed on your Account not
based on the Annual Percentage Rates.
CapitalOne®
2019 Capital One
Capital One is a federally registered service mark.
All rights reserved.
BR408251
M-128870
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COF Customer Agreement 428