Credit Card Agreement for Boscov's 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 March 31, 2014. 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
25.99%.
(APR) for Purchases
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It
29.99%.
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 $1.00 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 22.74 percentage points for the Standard Rate and a "Spread" of 26.74
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
CAPITAL ONE TERMS AND CONDITIONS
MINIMUM INTEREST CHARGE
How We Will Calculate Your Balance: We use a method called "average
If you are charged Interest, the charge will be no less than the
daily balance (including new purchases)".
Minimum Interest Charge listed in the chart.
Billing Rights: Information on your rights to dispute transactions and
ABOUT ACCOUNT FEES & OTHER CHARGES
how to exercise those rights is provided in this Cardholder Agreement.
FEES AND LIMITS
You may pay the entire New Balance at any time.
The fees that apply to your Account are shown in the purchase balance
unless otherwise stated in this Agreement.
NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital
property agreement, unilateral statement under Section 766.59 of
If charging any fee shown in the chart would exceed first-year fee
the Wisconsin Statutes, or court order under Section 766.70 of the
limits set by law, we may charge an amount allowed by law. If we do
Wisconsin Statutes adversely affects the interest of the creditor unless
this, it does not affect our ability to charge the full fee amount later.
the creditor, prior to the time the credit is granted, is furnished a copy
LATE PAYMENT FEE
of the agreement, statement or decree or has actual knowledge of
This fee is charged in any billing cycle that you do not pay at least the
the adverse provision when the obligation to the creditor is incurred.
Minimum Payment Due by the Payment Due Date.
If you are married, by submitting your credit card application you are
confirming that this credit card obligation is being incurred in the
Your Late Payment Fee is $25 for the first occurrence and $35 for
interest of your marriage and your family. If the credit card for which
additional occurrences during the next six billing cycles. In no event will
you are applying is granted, you will notify the Bank if you have a spouse
your Late Payment Fee exceed the Minimum Payment Due.
who needs to receive notification that credit has been extended to you.
OVER THE CREDIT LIMIT FEE
CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT
This fee is shown in the table on page 1 and will be charged if:
You have been approved for a Boscov's credit card. This account is
your Account balance exceeds your credit limit at any time during a
issued by Capital One, N.A. (Capital One).
billing cycle.
INTEREST RATES INFORMATION
RETURNED PAYMENT FEE
Your variable Annual Percentage Rate (APR) is your Spread plus the
This fee is shown in the table on page 1. It is charged each time a
Prime Rate, which is described in the HOW A VARIABLE RATE MAY
check or other form of payment to us is returned or not honored.
CHANGE section. Your Daily Periodic Rate (DPR) is described in the
PAYMENT BY PHONE FEE
INTEREST CHARGES section.
This fee:
Rates accurate as of 11/01/2013
may be charged each time anyone makes a payment to your
Account with the assistance of a live phone representative; and
APR
DPR
Spread
Maximum APR
the amount is disclosed at the time a payment by phone is requested.
Standard APR
25.99%
.07121%
22.74%
29.99%
COPY REQUEST FEE
A copy request fee may be charged each time a copy of a document is
Penalty APR
29.99%
.08216%
26.74%
29.99%
requested.
The fee amount will be disclosed at the time of your request.
HOW A VARIABLE RATE MAY CHANGE
REISSUED CARD FEE
Your variable APRs can change with each monthly billing cycle.
You may be charged $5 each time you request that your credit card be
We will apply each APR to the applicable balance for each type of
reissued.
transaction. Each variable APR will be equal to:
a) the amount shown in the chart ("Spread"); plus
MINIMUM PAYMENT DUE
b) the U.S. "Prime Rate" as defined below.
You agree to pay us at least the Minimum Payment Due, reflected on your
statement. If you wish, you may pay more than the Minimum Payment Due
The Prime Rate will be as shown in the Money Rates table of The Wall
and at any time you may pay the entire amount due. Your Minimum Payment
Street Journal that is in effect on the last day of the month.
due is equal to your Minimum Payment plus the Special Repayment Terms
Any changes in the Prime Rate will take effect on the first day of
for any Promotional Credit Plans with a special repayment term plus any debt
your billing cycle beginning in the next month.
cancellation fees or credit insurance premiums attributable to any Reduced
Rate/Special Repayment Terms Credit plans plus any delinquent amounts. The
An increase in the U.S. Prime Rate will increase your Daily Periodic
Minimum Payment is the greater of a.) $25 or b.) 1% of your "New Balance"
Rates. It may also increase your
(which does not include balances on Special Repayment Terms Credit Plans)
Interest Due; and/or
plus billed Interest Charges plus any Late Fees assessed for that month,
Minimum Payment Due.
rounded to the next highest dollar. Your monthly billing statement will include
requirements for you to follow in making payments including the cut-off hour
ABOUT THE PENALTY APR
for receipt of payments, which may affect crediting of your payments.
If you do not make your Minimum Payment Due within 60 days after
the Payment due date we may increase your APRs to the Penalty APR.
INTRODUCTION
If this occurs:
KEY TERMS
we will provide advance notice before the Penalty APR goes into effect.
"You" and "your" means each Applicant and Joint Applicant who:
once the Penalty APR goes into effect, if you make six consecutive
applied for this Account bearing the name Boscov's; and/or
on-time minimum payments when due, your rates will return to the
agrees to pay for the Account.
non-penalty APRs applicable to your Account.
"We," "us," and "our" means Capital One, N.A., located at 1111 Town
If you do not make six consecutive on time minimum payments, we
Center Drive, Las Vegas, Nevada 89144.
may keep the Penalty APR on your Account indefinitely.
"Applicant" means the primary Cardholder. "Joint Applicant" means
the secondary Cardholder.
ABOUT INTEREST CHARGES
"Agreement" means all parts of this document and any future
TREATMENT OF FEES AND INTEREST
supplements or amendments.
Any fees or Interest will be added to your purchase balance unless
"Card" means any card, card number or other device we issue to access
otherwise stated in this Agreement.
your Account.
GETTING STARTED
b) mechanical failures and/or
The Card must be signed to be used.
c) extended service contracts, which we reserve the right to perfect or not.
When you use the Account or sign the card or sales slips, you agree to:
the terms of this Agreement; plus
Each good you buy using your Account:
any amendments or supplements to the Agreement.
secures your entire Account balance until that good is paid in full; and
may be taken from you if you do not pay on time.
You may close your Account at any time. Please see the CLOSING YOUR
ACCOUNT section for details.
To decide when a purchase is paid off and no longer subject to a
security interest, your payments will be first applied to: described in the
USING YOUR ACCOUNT
"How We Apply Payments" section of this agreement.
ALLOWED USE
Once you have fully paid for any good, we will release our purchase
You agree to:
money security interest in that good.
use your Account only for lawful purposes
use your Account for only personal, family, household, or charitable
We do not take a security interest if you:
purposes; and
live in NY and the original purchase price of the good was less than $200 or
repay us for all costs related to uses not allowed under this Agreement.
live in MD and the original purchase price of the good was less than $700.
You are not allowed to use your Account:
If we take back any good, we may charge you our costs and require
to make payments to this credit card or any other loan payments to
you to make the good available at a convenient place of our choice as
us or our affiliates; or
allowed by law. This may include our cost to:
for internet gambling.
repair the good; and/or
store the good; and/or
If you have given someone permission to use the Card, this is not
sell the good; and/or
unauthorized use and you will be liable for all use by that person.
other costs allowed by law.
CREDIT LIMIT
WHEN AND HOW TO PAY
When you open your Account, we will tell you your credit limit.
You agree to:
pay at least the Minimum Payment Due shown on your billing
We may change this limit from time to time. Whenever this occurs, we
statement; and
will notify you:
make this payment in time to be credited by no later than the
on your billing statement; and/or
Payment Due Date.
by sending a notice.
How your Minimum Payment Due is determined as shown in the
You agree to:
MINIMUM PAYMENT DUE section.
keep your Account balance (which includes Interest and other
charges) within your credit limit; and
If you wish, you may pay more than the Minimum Payment Due or the
immediately pay any over limit amount that might occur.
entire balance at any time.
Your available credit may not reflect your payments for up to 14 days. If
Instructions for making timely payments are shown on your billing statement.
a transaction would exceed your available credit limit, we may decline it.
Payments must be:
USING THE ACCOUNT
made in U.S. dollars; and
At times we may:
paid from a U.S. bank or other U.S. financial institution; and
decline a transaction if there is not enough available credit and for
sent in a form that is acceptable to us.
any other reason and/or;
require our Authorization before allowing a transaction.
Acceptable forms of payment include:
a check or money order; or
A merchant may check your ID.
an electronic funds transfer
We are not liable if:
If you want to write any special conditions on your payment, such as "paid
a merchant refuses your card; and/or
in full", "without recourse", or similar language, you must:
we do not complete your transaction for any reason.
- Mark this clearly on your payment.
PAYING YOUR BILL
- Payment must be marked for Special Handling and sent to:
Capital One, PO Box 5226, Carol Stream, IL 60197-5226.
PROMISE TO PAY
You promise to pay for all:
Unless you follow the above directions, we may accept a payment marked
credit we extend; plus
with special conditions and not agree to those conditions, and will not lose
Interest charges and other fees or charges; plus
any of our rights.
collection costs and attorney fees as allowed by law.
By sending us a check for payment on your Account, you authorize us
either to:
If your Account is a joint Account, each of you is jointly and individually
use information from your check to initiate an electronic fund transfer
responsible for amounts due. This remains true in the event of death, divorce
from your payment account according to the terms of the check; or
or other events that affect liability between you and the other person.
to process this transaction as a check.
If any joint Accountholder requests to not be liable for future
When we use your check to make an electronic fund transfer:
transactions, we may close the Account.
funds may be withdrawn from your payment account the same day
SECURITY INTEREST
we receive your payment; and
A "Security Interest" is our interest in an item that you buy using your
you will not receive your check back from your bank.
Account that secures the payment of your Account.
When you use our optional payment by phone service, you agree that:
Except as noted below, you grant us a security interest (which we may or
we may make an electronic funds transfer from the bank account
may not perfect) in the following items financed using your Account:
you choose; or
any goods you buy with your Card; and
we may process the payment the same way we would process a check.
any proceeds you get from the following:
a) insurance contracts, and returned premiums: and/or
You authorize the amount and timing of each payment. Please retain
this authorization for your records.
If you have a returned payment:
add the following that were incurred on that day:
the amount you paid will be added back to your Account and may
a) any new purchases
be applied to a different category than originally posted. (e.g.
b) any previous day's periodic Interest Charges
purchases, etc.); and
c) any fees and charges, including any credit insurance premiums or
Interest Charges may be restored back to the payment date at the
debt cancellation fees, if these apply; then
APR for that transaction.
subtract any payments and/or credits.
ACCOUNT FEES AND OTHER INTEREST RATES
For any Same As Cash Credit Plan:
ABOUT YOUR APRS
Any credit insurance premiums or debt cancellation fees are not
Your APRs are shown on page 1.
included in the Daily Balance of that Plan during the promotional period.
A Daily Periodic Rate is used to determine your Interest Charges in any billing
We also make any needed adjustments. For example:
cycle. To determine this rate, we divide your APR by 365; then round this
If a transaction posts after but occurs before the start of a billing
number up to the next hundred thousandth of a percentage point.
cycle, we may adjust the amount above to include this transaction. It
will be included as of the first day of the billing cycle in which it posts.
PROMOTIONAL CREDIT PLANS
If your Account is subject to a grace period during the billing cycle,
From time to time, we may offer one or more Promotional Credit Plans.
your payments will be subtracted from all Daily Balances in the
These may be offered to you:
current billing cycle.
prior to your purchase; and/or
If a transaction for a returned payment or a dispute resolved in our
at the time of your purchase.
favor posts after the beginning of the billing cycle, we will make this
adjustment:
Any of these Plans may be offered at any time and are conditioned on
-the applicable Daily Balance(s) and any related Interest Charges will
your timely payment of at least the Minimum Payment Due for each
be adjusted to include the transaction amount as of the date of the
billing statement:
original payment or transaction.
a) Waived Interest Charge Credit Plan
With this Plan there are no Interest Charges on your purchase for a
To calculate your Average Daily Balance, we:
specified period.
add the Daily Balances for each day of the billing cycle; then
b) Same As Cash Monthly Payment Credit Plan
divide this total by the number of days in the billing cycle.
With this Plan, there are no Interest Charges on your purchase if
HOW TO AVOID PAYING INTEREST ON PURCHASES
you repay the full cash price of the purchase before the promotional
expiration date shown on your billing statement.
The number of days until your Payment Due Date after the close
If you do not repay in full by the promotional expiration date, Interest
of each billing cycle is indicated in the Interest Rates and Interest
Charges will be imposed from the purchase date.
Charges section of this Agreement. We will not charge you Interest on
c) Reduced Rate Credit Plan
purchases if you pay your entire balance by the due date each month.
With this Plan, you will receive a reduced periodic rate on your purchase
for a specified period.
Interest charges begin on the transaction date and continue to accrue
d) Special Repayment Term Credit Plan
until paid in full except as noted below:
With this Plan special repayment terms will be applied to the purchase
EXCEPTIONS
for the specified period.
1. For New Purchases and balances: No interest is charged in a billing
e) Special Repayment Reduced Rate Credit Plan
cycle on a Regular, Reduced Rate, or Special Repayment Terms
With this Plan special repayment terms and a reduced periodic rate will
Credit Plans if the combined Previous Balance of those Plans at the
be applied to the purchase for the specified period.
beginning of the cycle is:
Purchases that do not fall under one of these Plans are called Regular
a) zero; or
Credit Plan purchases.
b) a credit balance (e.g., less than zero); or
If you make more than one purchase on your card, these balances may
c) paid in full before the Payment Due Date that falls during the cycle;
be treated differently.
2. For Waived Interest Charge Credit Plans: No interest is charged for the
promotional period.
Certain rules apply to the allocation of payments and interest charges
3. For Same As Cash Credit Plans: No interest is charged if the full cash
on your promotional purchase if you make more than one purchase on
sales price is paid in full before the promotion expiration date.
your Card. Call 1-888-367-4310 or review the HOW WE APPLY PAYMENTS
section of this Agreement for information.
HOW WE APPLY PAYMENTS
The amount of your payment that is equal to the Minimum Payment
INTEREST CHARGES
Due is:
HOW INTEREST CHARGES ARE CALCULATED
applied as we determine within legal guidelines; and
Each billing statement shows the Interest Charges, which are calculated
usually applied to the minimum due on each credit plan.
separately for each:
Promotional Credit Plan with a unique due date or unique terms;
Any payment amount over the Minimum Payment Due is applied to
Regular Credit Plan
higher APR balances before lower ones.
The total interest charge for the billing cycle is the sum of the interest charge
If you have a Same As Cash Credit Plan(s):
for each plan subject to the minimum interest charge shown in the chart.
Until the final two complete billing cycles:
We apply payments the same way we apply payments to a Same
For Same As Cash Plans, if interest is applied, the interest is accrued
As Cash Credit Plan having a 0% APR
from the transaction date of the purchase through the current cycle. The
During the final two complete billing cycles and up to the date of
Interest Charge is the total of:
expiration we will apply payments received in this order:
the applicable Daily Periodic Rate for the current cycle times the Daily
1) To the required Minimum Payment Due; and
Balance for each day in the current cycle; plus
2) To the plan(s) that is expiring, in the order of expiration.
the applicable Daily Periodic Rate for each prior cycle times the Daily
Balances of the Credit Plan for each day during each prior cycle.
MANAGING YOUR ACCOUNT
For Plans other than Same As Cash, the interest charge is the total of:
OTHER USERS
the applicable Daily Periodic Rate for the Plan times the Daily Balance
You may permit others to use your Card or Account Number.
for the plan for each day in the cycle.
You are responsible for all charges made by permitted users.
If you wish to revoke another person's permission to use your Account,
HOW DAILY BALANCE IS DETERMINED
you must notify us. We may close your Account and issue a new Card
To determine your Daily Balance, we:
with a different Account number.
take the opening balance for each Plan for that day; then
UPDATING YOUR RECORDS
If you believe we have reported inaccurate information about your
You agree:
Account to any consumer reporting agency you should:
a) to give us prompt advance notice of any change in your name,
notify us and ask us to correct the inaccurate information by
mailing address, phone number, or employer;
writing to us at Capital One, PO Box 5253, Carol Stream, IL
b) to promptly give us accurate financial information about you if we
60197-5253.
ask for it; and
c) the Department of Motor Vehicles may release your home address to
When you write to us, tell us:
us if we ever need it to find you.
your Account number; and
the specific information you believe is not correct; and
CLOSING YOUR ACCOUNT
why you believe it is not correct.
You can close your account at any time by mailing your request to
Capital One, PO Box 5226, Carol Stream, IL 60197-5226. Your request
INSURANCE
becomes effective when we receive it.
If credit insurance was offered and your accepted it: You agree that
your Account will be charged monthly; this charge, which is called an
Once you close the Account:
insurance premium, will be based on the Average Daily Balances of your
you must destroy your card(s); and
Account for the billing cycle in which the premium is assessed; and the
you will still be responsible for all amounts owed according to the
charges will begin on the transaction date(s) of your purchase(s).
terms of this Agreement.
OTHER AGREEMENTS
PROTECTING YOUR CREDIT
ACCOUNT CLOSURE
LOST OR STOLEN CARD
At any time, for any reason, we may take any of these actions subject
You agree to notify us immediately if:
to applicable law:
your Card is lost or stolen; or
a) close your Account;
your Account is used without your permission.
b) suspend your credit privileges;
c) reduce your credit limit.
You may call at any time. The phone number is listed on your billing
statement.
If we close your Account:
Interest Charges and fees will continue to accrue until your balance
LIABILITY FOR UNAUTHORIZED USE
is paid in full; and
If you notice the loss or theft of your credit card, or a possible
you agree to return or destroy your Card(s).
unauthorized use of your card, you should call us at the number listed
on your billing statement or the back of your card, or write to us
COMMUNICATIONS
immediately at:
We may contact you from time to time regarding your Account. We
may contact you in any manner we choose unless the law says that we
Capital One
cannot. For example, we may:
PO Box 5226, Carol Stream, IL 60197-5226
1) contact you by mail, telephone, email, fax, recorded message, text
message or personal visit;
You will not be liable for any unauthorized use that occurs after you
2) contact you using an automated dialing or similar device
notify us. You may, however, be liable for unauthorized use that occurs
("Autodialer");
before your notice to us. In any case, your liability will not exceed $50.
3) contact you at your home and at your place of employment;
4) contact you on your mobile telephone;
DEFAULT
5) contact you at any time, including weekends and holidays;
We may consider your Account to be in Default if you:
6) contact you with any frequency;
a) fail to make the Minimum Payment Due when due;
7) leave prerecorded and other messages on your answering machine/
b) exceed your credit limit;
service and with others; and
c) become the subject of bankruptcy proceedings, foreclosure,
8) identify ourselves, your relationship with us and our purpose for
repossession, lien or judgment, garnishment, or attachment;
contacting you even if others might hear or read it.
d) give us misleading, false or incomplete information;
e) fail to give us a current physical address when you apply and
Our contacts with you about your Account are not unsolicited and
whenever you move;
might result from information we obtain from you or others. We
f) make payments to us that are returned unpaid by your bank or
may monitor or record any conversation or other communication
other financial institution; or
with you. Unless the law says we cannot, we may modify or suppress
g) default under any other agreement or security agreement you have
caller ID and similar services and identify ourselves on these services in
with us or with one of our affiliates; and/or
any manner we choose. When you give us or we obtain your mobile
h) become incompetent or deceased.
telephone number, we may contact you at this number using an
Autodialer and can also leave prerecorded and other messages. We
Upon default, we have the right to:
may do these things whether we contact you or you contact us.
close your Account;
suspend your credit privileges;
If you ask us to discuss your Account with someone else, you must
require you to pay your entire Account balance including any
provide us with documents that we ask for and that are acceptable to us.
Promotional Credit Plan balances, all accrued but unpaid Interest
Charges and other charges provided for in this Agreement immediately;
CHANGE OF TERMS
terminate any Promotional Credit Plans and convert balances to a
We may change this Agreement as allowed by applicable law. This may
Regular Credit Plan;
include changing, adding, or removing terms. We may do this in response to
change the terms of your Account;
the legal, business, competitive environment or other reasons not listed here.
sue you for what you owe.
We may increase the Interest rate on existing balances in limited circumstances.
If we incur costs to collect your balance owed including any attorney
Changes to some terms may require at least 45 days advance notice, and we
fees, we may charge you for these costs as permitted by applicable
will tell you in the notice if you have the right to reject a change. We cannot
law, and we will apply your payments first to these costs.
change certain terms during the first year of your Account.
CREDIT REPORTING
ACCOUNT ASSIGNMENT
You agree that we may obtain and use credit information about you
We may sell, assign or transfer all or any part of your Agreement and Account
from others such as:
without notice to you. You may not sell, assign or transfer your Account.
merchants or stores;
WAIVERS
other lenders;
consumer reporting agencies.
If we delay or take no action allowed under this Agreement, for any
reason, we will not lose or limit any of our rights under this Agreement
on any other occasion.
SEVERABILITY
In your letter, give us the following information:
If a term is found to be invalid under any applicable law, rule or
Account information: Your name and account number.
regulation, then all other terms of this Agreement will remain valid.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill,
NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we
describe what you believe is wrong and why you believe it is a mistake.
inform customers that should they fail to fulfill the terms of their credit
obligation, a negative report reflecting on their credit record may be
You must contact us:
submitted to a credit reporting agency. If you are married, you may
Within 60 days after the error appeared on your statement.
apply for credit in your own name.
At least 3 business days before an automated payment is scheduled,
if you want to stop payment on the amount you think is wrong.
NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a
judgment against you, a portion of your disposable earnings may be attached or
You must notify us of any potential errors in writing. You may call us,
garnished (paid to us by your employer), as provided by Florida and Federal law.
but if you do we are not required to investigate any potential errors
and you may have to pay the amount in question.
NOTICE FOR MAINE RESIDENTS: We may request a consumer report in
connection with your application for credit. You may ask whether a
What Will Happen After We Receive Your Letter
consumer report was obtained by us and we will tell you the name and
When we receive your letter, we must do two things:
address of the consumer reporting agency, if a report was obtained.
.Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Missouri Residents: Oral agreements or commitments to loan
Within 90 days of receiving your letter, we must either correct the
money, extend credit or to forbear from enforcing repayment of
error or explain to you why we believe the bill is correct.
a debt including promises to extend or renew such debt are not
enforceable. To protect you (borrower(s)) and us (creditor) from
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question, or report you as
misunderstanding or disappointment, any agreements we reach
delinquent on that amount.
covering such matters are contained in this writing, which is the
The charge in question may remain on your statement, and we may
complete and exclusive statement of the agreement between us,
continue to charge you interest on that amount.
except as we may later agree in writing to modify it.
While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
NOTICE FOR NEW YORK RESIDENTS: A consumer credit report may be
We can apply any unpaid amount against your credit limit.
requested in connection with this application or in connection with
After we finish our investigation, one of two things will happen:
updates, renewals or extensions of any credit granted as a result of
If we made a mistake: You will not have to pay the amount in
this application. Upon your request, you will be informed whether or
question or any interest or other fees related to that amount.
not such a report was requested and, if so, the name and address of
If we do not believe there was a mistake: You will have to pay the
the agency that furnished the report. New York residents may contact
amount in question, along with applicable interest and fees. We will
the New York State Department of Financial Services to obtain a
send you a statement of the amount you owe and the date payment
comparative listing of credit card rates, fees and grace periods. New
is due. We may then report you as delinquent if you do not pay the
York State Department of Financial Services: 1-800-522-3330.
amount we think you owe.
NOTICE FOR OHIO RESIDENTS: The Ohio Laws against discrimination
If you receive our explanation but still believe your bill is wrong, you
require that all creditors make credit equally available to all
must write to us within 10 days telling us that you still refuse to pay. If
creditworthy customers and that credit reporting agencies maintain
you do so, we cannot report you as delinquent without also reporting
separate credit histories on each individual upon request. The Ohio
that you are questioning your bill. We must tell you the name of
Civil Rights Commission administers compliance with this law.
anyone to whom we reported you as delinquent, and we must let those
organizations know when the matter has been settled between us.
NOTICE FOR VERMONT RESIDENTS: A consumer credit report may be requested
in connection with this application or in connection with updates, renewals
If we do not follow all of the rules above, you do not have to pay the
or extensions of any credit granted as a result of this application. Upon your
first $50 of the amount you question even if your bill is correct.
request, you will be informed whether or not such a report was requested
and, if SO, the name and address of the agency that furnished the report.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have
The information about the costs of the Card described in this Cardholder
purchased with your credit card, and you have tried in good faith to
Agreement and Disclosure Statement is accurate as of November, 2013. This
correct the problem with the merchant, you may have the right not to
information may have changed after that date. To find out what may have
pay the remaining amount due on the purchase.
changed write to us at 1111 Town Center Drive, Las Vegas, Nevada 89144.
To use this right, all of the following must be true:
.You must have used your credit card for the purchase. Purchases
APPLICABLE LAWS
made with cash advances from an ATM or with a check that
This Agreement is governed by the Commonwealth of Virginia law and
accesses your credit card account do not qualify.
federal law.
You must not yet have fully paid for the purchase.
We make our credit decisions and extend credit to you under this
If all of the criteria above are met and you are still dissatisfied with the
Agreement from the Commonwealth of Virginia. This Agreement is:
purchase, contact us in writing at:
entered into in the Commonwealth of Virginia; and
maintained in the Commonwealth of Virginia.
Capital One
PO Box 5893, Carol Stream, IL 60197-5893
This is true whether or not you use your card in the Commonwealth of
Virginia.
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
decision. At that point, if we think you owe an amount and you do not
This notice tells you about your rights and our responsibilities under
pay, we may report you as delinquent.
the Fair Credit Billing Act.
BR251775 (11/13) M-110147
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
Capital One
PO Box 5893, Carol Stream, IL 60197-5893