Credit Card Agreement for Jordans Furniture Cards in Capital One, N.A.
There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information shows
a range of terms that includes both mail and online offers for new accounts available under this Agreement as of December 31, 2013. The combination of terms
that could apply to you may differ depending on the specific card offer and on your creditworthiness at the time of application. The Customer Agreement contains
important information related to consumer credit cards issued by Capital One, N.A. If you are a current Capital One cardholder, please log in to your account if you
would like to request the Credit Card Agreement for your account(s).
CAPITAL ONE® PRICING INFORMATION
Annual Percentage Rate
23.9%.
(APR) for Purchases
Penalty APR and When It
27.9%.
Applies
How to Avoid Paying
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your
Interest on Purchases:
entire balance by the due date each month.
Minimum Interest Charge
A minimum Interest Charge of $2.00 will be assessed for each billing cycle in which an Interest Charge is payable.
Annual Fee
$0.
Transaction Fees
Balance Transfer Fee
None.
Cash Advance Fee
None.
Foreign Transaction Fee
None.
Penalty Fees
Late Payment
Up to $35.
Over the Credit Limit Fee
None.
Returned Payment
Up to $25.
Balance Computation Method: Average Daily Balance (including new purchases)
The "Daily Balance" of a Credit Plan is determined by taking the opening balance of the Credit Plan for that day, and adding 1) any new purchase made on the
Credit Plan that day, 2) the previous day's Interest Charges, 3) any credit insurance premiums or debt cancellation fees (if applicable) incurred on that day and
4)
any late fees, over the credit limit fees, returned payment fees or other fees incurred on that day and subtracting any payments or credit applied to the Credit Plan
that day. If your Account is subject to a grace period during the billing cycle, payments made during that cycle will be subtracted from all Daily Balances in the
current cycle.
Required Insurance, Debt Cancellation or Debt Suspension Coverage: None
Disclosure of Rates: The Daily Periodic Rate for the Standard Rate will be .06548% (corresponding 23.9% Annual Percentage Rate) The Daily Periodic Rate for
the Penalty Rate .07644% (corresponding 27.9% Annual Percentage Rate).
CAPITAL ONE® CUSTOMER AGREEMENT
How We Will Calculate Your Balance: We use a method called "average
daily balance (including new purchases)".
Outstanding Balance
Late Payment Fee
Late Payment Fee if
on Payment Due
first time your
another payment is late
Billing Rights: Information on your rights to dispute transactions and
Date
payment is late.
during the next 6 billing
how to exercise those rights is provided in this Cardholder Agreement.
cycles.
You may pay the entire New Balance at any time.
Up to and including
$19
$19
$100
NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital
property agreement, unilateral statement under Section 766.59 of
More than $100 and
$25
$29
the Wisconsin Statutes, or court order under Section 766.70 of the
up to and including
Wisconsin Statutes adversely affects the interest of the creditor unless
$500
the creditor, prior to the time the credit is granted, is furnished a copy
More than $500
$25
$35
of the agreement, statement or decree or has actual knowledge of
the adverse provision when the obligation to the creditor is incurred.
If you are married, by submitting your credit card application you are
OVER THE CREDIT LIMIT FEE
confirming that this credit card obligation is being incurred in the
This fee is shown in the table on page 1 and will be charged if:
interest of your marriage and your family. If the credit card for which
your Account balance exceeds your credit limit at any time during a
you are applying is granted, you will notify the Bank if you have a spouse
billing cycle.
who needs to receive notification that credit has been extended to you.
RETURNED PAYMENT FEE
CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT
This fee is shown in the table on page 1. It is charged each time a
check or other form of payment to us is returned or not honored.
You have been approved for a Jordan's Furniture credit card. This
account is issued by Capital One, N.A. (Capital One).
PAYMENT BY PHONE FEE
This fee:
INTEREST RATES INFORMATION
Annual Percentage Rate ("APR") and Daily Periodic Rate ("DPR"). Your
may be charged each time anyone makes a payment to your
Account with the assistance of a live phone representative; and
Daily Periodic Rate (DPR) is described in the INTEREST CHARGES section.
the amount is disclosed at the time a payment by phone is requested.
Rates accurate as of 11/01/2013
COPY REQUEST FEE
A copy request fee may be charged each time a copy of a document
APR
DPR
is requested.
Standard APR
23.9%
.06548%
The fee amount will be disclosed at the time of your request.
Penalty APR
27.9%
.07644%
REISSUED CARD FEE
You may be charged $5 each time you request that your credit card
be reissued.
ABOUT THE PENALTY APR
If you do not make your Minimum Payment Due within 60 days after
MINIMUM PAYMENT DUE
the Payment due date we may increase your APRs to the Penalty APR.
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
If this occurs:
Payment Due and at any time you may pay the entire amount due. Your
we will provide advance notice before the Penalty APR goes into
Minimum Payment due is equal to your Minimum Payment plus the Special
effect.
Repayment Terms for any Promotional Credit Plans with a special repayment
once the Penalty APR goes into effect, if you make six consecutive
term plus any debt cancellation fees or credit insurance premiums
on-time minimum payments when due, your rates will return to the
attributable to any Reduced Rate/Special Repayment Terms Credit plans plus
non-penalty APRs applicable to your Account.
any delinquent amounts. The Minimum Payment is the greater of a.) $25 or
If you do not make six consecutive on time minimum payments, we
b.) 1% of your "New Balance" (which does not include balances on Special
may keep the Penalty APR on your Account indefinitely.
Repayment Terms Credit Plans) plus billed Interest Charges plus any Late Fees
assessed for that month, rounded to the next highest dollar. Your monthly
ABOUT INTEREST CHARGES
billing statement will include requirements for you to follow in making
TREATMENT OF FEES AND INTEREST
payments including the cut-off hour for receipt of payments, which may
Any fees or Interest will be added to your purchase balance unless
affect crediting of your payments.
otherwise stated in this Agreement.
INTRODUCTION
MINIMUM INTEREST CHARGE
KEY TERMS
If you are charged Interest, the charge will be no less than the
Minimum Interest Charge listed in the chart.
"You" and "your" means each Applicant and Joint Applicant who:
applied for this Account bearing the name Jordan's Furniture; and/or
ABOUT ACCOUNT FEES & OTHER CHARGES
agrees to pay for the Account.
"We," "us," and "our" means Capital One, N.A., located at 1111 Town
FEES AND LIMITS
The fees that apply to your Account are shown in the purchase balance
Center Drive, Las Vegas, Nevada 89144.
unless otherwise stated in this Agreement.
"Applicant" means the primary Cardholder. "Joint Applicant" means
If charging any fee shown in the chart would exceed first-year fee
the secondary Cardholder.
limits set by law, we may charge an amount allowed by law. If we do
"Agreement" means all parts of this document and any future
this, it does not affect our ability to charge the full fee amount later.
supplements or amendments.
LATE PAYMENT FEE
"Card" means any card, card number or other device we issue to
This fee is shown in the chart below. It is charged in any billing
access your Account.
cycle that you do not pay at least the Minimum Payment Due by the
Payment Due Date. In no event will your Late Payment Fee exceed the
GETTING STARTED
Minimum Payment Due.
The Card must be signed to be used.
When you use the Account or sign the card or sales slips, you agree to:
the terms of this Agreement; plus
any amendments or supplements to the Agreement.
You may close your Account at any time. Please see the Closing Your
Once you have fully paid for any good, we will release our purchase
Account section for details.
money security interest in that good.
USING YOUR ACCOUNT
We do not take a security interest if you:
live in NY and the original purchase price of the good was less than $200 or
ALLOWED USE
live in MD and the original purchase price of the good was less than $700.
You agree to:
use your Account only for lawful purposes
If we take back any good, we may charge you our costs and require
use your Account for only personal, family, household, or charitable
you to make the good available at a convenient place of our choice as
allowed by law. This may include our cost to:
purposes; and
repay us for all costs related to uses not allowed under this Agreement.
repair the good; and/or
store the good; and/or
You are not allowed to use your Account:
sell the good; and/or
to make payments to this credit card or any other loan payments to
other costs allowed by law.
us or our affiliates; or
WHEN AND HOW TO PAY
for internet gambling.
You agree to:
If you have given someone permission to use the Card, this is not
pay at least the Minimum Payment Due shown on your billing
unauthorized use and you will be liable for all use by that person.
statement; and
make this payment in time to be credited by no later than the
CREDIT LIMIT
Payment Due Date.
When you open your Account, we will tell you your credit limit.
How your Minimum Payment Due is determined as shown in the
We may change this limit from time to time. Whenever this occurs, we
MINIMUM PAYMENT DUE section.
will notify you:
on your billing statement; and/or
If you wish, you may pay more than the Minimum Payment Due or the
by sending a notice.
entire balance at any time.
You agree to:
Instructions for making timely payments are shown on your billing
keep your Account balance (which includes Interest and other
statement.
charges) within your credit limit; and
immediately pay any over limit amount that might occur.
Payments must be:
made in U.S. dollars; and
Your available credit may not reflect your payments for up to 14 days.
paid from a U.S. bank or other U.S. financial institution; and
If a transaction would exceed your available credit limit, we may
sent in a form that is acceptable to us.
decline it.
Acceptable forms of payment include:
USING THE ACCOUNT
a check or money order; or
At times we may:
an electronic funds transfer
decline a transaction if there is not enough available credit and for
any other reason and/or;
If you want to write any special conditions on your payment, such as
require our Authorization before allowing a transaction.
"paid in full", "without recourse", or similar language, you must:
Mark this clearly on your payment.
A merchant may check your ID.
Payment must be marked for Special Handling and sent to:
Capital One, PO Box 5226, Carol Stream, IL 60197-5226.
We are not liable if:
a merchant refuses your card; and/or
Unless you follow the above directions, we may accept a payment
we do not complete your transaction for any reason.
marked with special conditions and not agree to those conditions, and
will not lose any of our rights.
PAYING YOUR BILL
By sending us a check for payment on your Account, you authorize us
PROMISE TO PAY
either to:
You promise to pay for all:
use information from your check to initiate an electronic fund
credit we extend; plus
transfer from your payment account according to the terms of the
Interest charges and other fees or charges; plus
check; or
collection costs and attorney fees as allowed by law.
to process this transaction as a check.
If your Account is a joint Account, each of you is jointly and
When we use your check to make an electronic fund transfer:
individually responsible for amounts due. This remains true in the event
funds may be withdrawn from your payment account the same day
of death, divorce or other events that affect liability between you and
we receive your payment; and
the other person.
you will not receive your check back from your bank.
If any joint Accountholder requests to not be liable for future
When you use our optional payment by phone service, you agree that:
transactions, we may close the Account.
we may make an electronic funds transfer from the bank account
you choose; or
SECURITY INTEREST
we may process the payment the same way we would process a check.
A "Security Interest" is our interest in an item that you buy using your
Account that secures the payment of your Account.
You authorize the amount and timing of each payment. Please retain
this authorization for your records.
Except as noted below, you grant us a security interest (which we may or
may not perfect) in the following items financed using your Account:
If you have a returned payment:
any goods you buy with your Card; and
the amount you paid will be added back to your Account and may be
any proceeds you get from the following:
applied to a different category than originally posted. (e.g. purchases,
a) insurance contracts, and returned premiums: and/or
etc.); and
b) mechanical failures and/or
Interest Charges may be restored back to the payment date at the
c) extended service contracts.
APR for that transaction.
Each good you buy using your Account:
ACCOUNT FEES AND OTHER INTEREST RATES
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.
ABOUT YOUR APRs
Your APRs are shown on page 1.
To decide when a purchase is paid off and no longer subject to a security
A Daily Periodic Rate is used to determine your Interest Charges in any billing
interest, your payments will be first applied to: described in the "How
cycle. To determine this rate, we divide your APR by 365; then round this
We Apply Payments" section of this agreement.
number up to the next hundred thousandth of a percentage point.
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
your payments will be subtracted from all Daily Balances in the
Plans. 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 favor
at the time of your purchase.
posts after the beginning of the billing cycle, we will make this adjustment:
the applicable Daily Balance(s) and any related Interest Charges will
Any of these Plans may be offered at any time and are conditioned on
be adjusted to include the transaction amount as of the date of
your timely payment of at least the Minimum Payment Due for each
the original payment or transaction.
billing statement:
a) Waived Interest Charge Credit Plan
To calculate your Average Daily Balance, we:
With this Plan there are no Interest Charges on your purchase for a
add the Daily Balances for each day of the billing cycle; then
specified period.
divide this total by the number of days in the billing cycle.
b) Same As Cash / Monthly Payment Credit Plan
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
The number of days until your Payment Due Date after the close
expiration date shown on your billing statement.
of each billing cycle is indicated in the Interest Rates and Interest
If you do not repay in full by the promotional expiration date, Interest
Charges section of this Agreement. We will not charge you Interest on
Charges will be imposed from the purchase date.
purchases if you pay your entire balance by the due date each month.
c) Reduced Rate Credit Plan
Interest charges begin on the transaction date and continue to accrue
With this Plan, you will receive a reduced periodic rate on your
until paid in full except as noted below:
purchase for a specified period.
d) Special Repayment Term Credit Plan
EXCEPTIONS
With this Plan special repayment terms will be applied to the purchase
1. For New Purchases and balances: No interest is charged in a billing
for the specified period.
cycle on a Regular, Reduced Rate, or Special Repayment Terms
e) Special Repayment Term / Reduced Rate Credit Plan
Credit Plans if the combined Previous Balance of those Plans at the
With this Plan special repayment terms and a reduced periodic rate will
beginning of the cycle is:
be applied to the purchase for the specified period.
a) zero; or
b) a credit balance (e.g., less than zero); or
Purchases that do not fall under one of these Plans are called Regular
c) paid in full before the Payment Due Date that falls during the cycle;
Credit Plan purchases.
2. For Waived Interest Charge Credit Plans: No interest is charged for the
If you make more than one purchase on your card, these balances may
promotional period.
be treated differently.
3. For Same As Cash Credit Plans: No interest is charged if the full cash
sales price is paid in full before the promotion expiration date.
Certain rules apply to the allocation of payments and interest charges
HOW WE APPLY PAYMENTS
on your promotional purchase if you make more than one purchase on
your Card. Call 1-888-367-4310 or review the HOW WE APPLY PAYMENTS
The amount of your payment that is equal to the Minimum Payment
section of this Agreement for information.
Due is:
applied as we determine within legal guidelines; and
INTEREST CHARGES
usually applied to the minimum due on each credit plan.
HOW INTEREST CHARGES ARE CALCULATED
Any payment amount over the Minimum Payment Due is applied to
Each billing statement shows the Interest Charges, which are
higher APR balances before lower ones.
calculated separately for each:
If you have a Same As Cash Credit Plan(s):
Promotional Credit Plan with a unique due date or unique terms;
Until the final two complete billing cycles:
Regular Credit Plan
We apply payments the same way we apply payments to a Same As
The total interest charge for the billing cycle is the sum of the interest charge
Cash Credit Plan having a 0% APR
During the final two complete billing cycles and up to the date of
for each plan subject to the minimum interest charge shown in the chart.
expiration we will apply payments received in this order:
For Same As Cash Plans, if interest is applied, the interest is accrued
1) To the required Minimum Payment Due; and
from the transaction date of the purchase through the current cycle.
2) To the plan(s) that is expiring, in the order of expiration.
The Interest Charge is the total of:
the applicable Daily Periodic Rate for the current cycle times the Daily
MANAGING YOUR ACCOUNT
Balance for each day in the current cycle; plus
the applicable Daily Periodic Rate for each prior cycle times the Daily
OTHER USERS
Balances of the Credit Plan for each day during each prior cycle.
You may permit others to use your Card or Account Number.
For Plans other than Same As Cash, the interest charge is the total of:
You are responsible for all charges made by permitted users.
the applicable Daily Periodic Rate for the Plan times the Daily Balance
If you wish to revoke another person's permission to use your Account,
for the plan for each day in the cycle.
you must notify us. We may close your Account and issue a new Card
HOW DAILY BALANCE IS DETERMINED
with a different Account number.
To determine your Daily Balance, we:
UPDATING YOUR RECORDS
take the opening balance for each Plan for that day; then
You agree:
add the following that were incurred on that day:
a) to give us prompt advance notice of any change in your name,
a) any new purchases
mailing address, phone number, or employer;
b) any previous day's periodic Interest Charges
b) to promptly give us accurate financial information about you if we
c) any fees and charges, including any credit insurance premiums or
ask for it; and
debt cancellation fees, if these apply; then
c) the Department of Motor Vehicles may release your home address
subtract any payments and/or credits.
to us if we ever need it to find you.
For any Same As Cash Credit Plan:
CLOSING YOUR ACCOUNT
Any credit insurance premiums or debt cancellation fees are not
You can close your account at any time by mailing your request to
included in the Daily Balance of that Plan during the promotional period.
Capital One, PO Box 5226, Carol Stream, IL 60197-5226. Your request
We also make any needed adjustments. For example:
becomes effective when we receive it.
If a transaction posts after but occurs before the start of a billing cycle,
Once you close the Account:
we may adjust the amount above to include this transaction. It will be
you must destroy your card(s); and
included as of the first day of the billing cycle in which it posts.
you will still be responsible for all amounts owed according to the
terms of this Agreement.
PROTECTING YOUR CREDIT
OTHER AGREEMENTS
LOST OR STOLEN CARD
ACCOUNT CLOSURE
You agree to notify us immediately if:
At any time, for any reason, we may take any of these actions subject
your Card is lost or stolen; or
to applicable law:
your Account is used without your permission.
a) close your Account;
b) suspend your credit privileges;
You may call at any time. The phone number is listed on your billing
c) reduce your credit limit.
statement.
If we close your Account:
LIABILITY FOR UNAUTHORIZED USE
Interest Charges and fees will continue to accrue until your balance
If you notice the loss or theft of your credit card, or a possible
is paid in full; and
unauthorized use of your card, you should call us at the number listed
you agree to return or destroy your Card(s).
on your billing statement or the back of your card, or write to us
immediately at:
COMMUNICATIONS
We may contact you from time to time regarding your Account. We
Capital One
may contact you in any manner we choose unless the law says that we
PO Box 5226, Carol Stream, IL 60197-5226
cannot. For example, we may:
You will not be liable for any unauthorized use that occurs after you
1) contact you by mail, telephone, email, fax, recorded message, text
notify us. You may, however, be liable for unauthorized use that occurs
message or personal visit;
before your notice to us. In any case, your liability will not exceed $50.
2) contact you using an automated dialing or similar device ("Autodialer");
3) contact you at your home and at your place of employment;
DEFAULT
4) contact you on your mobile telephone;
We may consider your Account to be in Default if you:
5) contact you at any time, including weekends and holidays;
a) fail to make the Minimum Payment Due when due;
6) contact you with any frequency;
b) exceed your credit limit;
7) leave prerecorded and other messages on your answering machine/
c) become the subject of bankruptcy proceedings, foreclosure,
service and with others; and
repossession, lien or judgment, garnishment, or attachment;
8) identify ourselves, your relationship with us and our purpose for
d) give us misleading, false or incomplete information;
contacting you even if others might hear or read it.
e) fail to give us a current physical address when you apply and
whenever you move;
Our contacts with you about your Account are not unsolicited and
f) make payments to us that are returned unpaid by your bank or other
might result from information we obtain from you or others. We
financial institution; or
may monitor or record any conversation or other communication
g) default under any other agreement or security agreement you have
with you. Unless the law says we cannot, we may modify or suppress
with us or with one of our affiliates; and/or
caller ID and similar services and identify ourselves on these services in
h) become incompetent or deceased.
any manner we choose. When you give us or we obtain your mobile
telephone number, we may contact you at this number using an
Upon default, we have the right to:
Autodialer and can also leave prerecorded and other messages. We
close your Account;
may do these things whether we contact you or you contact us.
suspend your credit privileges;
require you to pay your entire Account balance including any
If you ask us to discuss your Account with someone else, you must
Promotional Credit Plan balances, all accrued but unpaid Interest
provide us with documents that we ask for and that are acceptable to us.
Charges and other charges provided for in this Agreement
CHANGE OF TERMS
immediately;
We may change this Agreement as allowed by applicable law. This may
terminate any Promotional Credit Plans and convert balances to a
include changing, adding, or removing terms. We may do this in response
Regular Credit Plan;
to the legal, business, competitive environment or other reasons not
change the terms of your Account;
listed here.
sue you for what you owe.
We may increase the Interest rate on existing balances in limited
If we incur costs to collect your balance owed including any attorney
circumstances. Changes to some terms may require at least 45 days
fees, we may charge you for these costs as permitted by applicable
advance notice, and we will tell you in the notice if you have the right to
law, and we will apply your payments first to these costs.
reject a change. We cannot change certain terms during the first year of
CREDIT REPORTING
your Account.
You agree that we may obtain and use credit information about you
ACCOUNT ASSIGNMENT
from others such as:
We may sell, assign or transfer all or any part of your Agreement and
merchants or stores;
Account without notice to you. You may not sell, assign or transfer
other lenders;
your Account.
consumer reporting agencies.
WAIVERS
If you believe we have reported inaccurate information about your
If we delay or take no action allowed under this Agreement, for any
Account to any consumer reporting agency you should:
reason, we will not lose or limit any of our rights under this Agreement
notify us and ask us to correct the inaccurate information by writing
on any other occasion.
to us at Capital One, PO Box 5253, Carol Stream, IL 60197-5253.
SEVERABILITY
When you write to us, tell us:
If a term is found to be invalid under any applicable law, rule or
- your Account number; and
regulation, then all other terms of this Agreement will remain valid.
the specific information you believe is not correct; and
why you believe it is not correct.
NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we
inform customers that should they fail to fulfill the terms of their credit
INSURANCE
obligation, a negative report reflecting on their credit record may be
If credit insurance was offered and your accepted it: You agree that
submitted to a credit reporting agency. If you are married, you may
your Account will be charged monthly; this charge, which is called an
apply for credit in your own name.
insurance premium, will be based on the Average Daily Balances of
your Account for the billing cycle in which the premium is assessed;
NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we
and the charges will begin on the transaction date(s) of your
obtain a judgment against you, a portion of your disposable earnings
purchase(s).
may be attached or garnished (paid to us by your employer), as provided
by Florida and Federal law.
NOTICE FOR MAINE RESIDENTS: We may request a consumer report in
What Will Happen After We Receive Your Letter
connection with your application for credit. You may ask whether a
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.
1. 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
2. Within 90 days of receiving your letter, we must either correct the
loan money, extend credit or to forbear from enforcing
error or explain to you why we believe the bill is correct.
repayment of a debt including promises to extend or renew
While we investigate whether or not there has been an error:
such debt are not enforceable. To protect you (borrower(s))
We cannot try to collect the amount in question, or report you as
and us (creditor) from misunderstanding or disappointment,
delinquent on that amount.
any agreements we reach covering such matters are
The charge in question may remain on your statement, and we may
contained in this writing, which is the complete and
continue to charge you interest on that amount.
exclusive statement of the agreement between us, except as
While you do not have to pay the amount in question, you are
responsible for the remainder of your balance.
we may later agree in writing to modify it.
We can apply any unpaid amount against your credit limit.
NOTICE FOR NEW YORK RESIDENTS: A consumer credit report may be
After we finish our investigation, one of two things will happen:
requested in connection with this application or in connection with
If we made a mistake: You will not have to pay the amount in
updates, renewals or extensions of any credit granted as a result of
question or any interest or other fees related to that amount.
this application. Upon your request, you will be informed whether or
If we do not believe there was a mistake: You will have to pay the
not such a report was requested and, if so, the name and address of
amount in question, along with applicable interest and fees. We will
the agency that furnished the report. New York residents may contact
send you a statement of the amount you owe and the date payment
the New York State Department of Financial Services to obtain a
is due. We may then report you as delinquent if you do not pay the
comparative listing of credit card rates, fees and grace periods. New
amount we think you owe.
York State Department of Financial Services: 1-800-522-3330.
If you receive our explanation but still believe your bill is wrong, you
NOTICE FOR OHIO RESIDENTS: The Ohio Laws against discrimination
must write to us within 10 days telling us that you still refuse to pay. If
require that all creditors make credit equally available to all
you do so, we cannot report you as delinquent without also reporting
creditworthy customers and that credit reporting agencies maintain
that you are questioning your bill. We must tell you the name of
separate credit histories on each individual upon request. The Ohio
anyone to whom we reported you as delinquent, and we must let those
Civil Rights Commission administers compliance with this law.
organizations know when the matter has been settled between us.
NOTICE FOR VERMONT RESIDENTS: A consumer credit report may be
If we do not follow all of the rules above, you do not have to pay the
requested in connection with this application or in connection with
first $50 of the amount you question even if your bill is correct.
updates, renewals or extensions of any credit granted as a result of this
application. Upon your request, you will be informed whether or not
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
such a report was requested and, if so, the name and address of the
If you are dissatisfied with the goods or services that you have
agency that furnished the report.
purchased with your credit card, and you have tried in good faith to
The information about the costs of the Card described in this Cardholder
correct the problem with the merchant, you may have the right not to
Agreement and Disclosure Statement is accurate as of November, 2013. This
pay the remaining amount due on the purchase.
information may have changed after that date. To find out what may have
changed write to us at 1111 Town Center Drive, Las Vegas, Nevada 89144.
To use this right, all of the following must be true:
1. 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.
2. 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
Capital One
maintained in the Commonwealth of Virginia.
PO Box 5893, Carol Stream, IL 60197-5893
This is true whether or not you use your card in the Commonwealth of
While we investigate, the same rules apply to the disputed amount as
Virginia.
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not
Your Billing Rights: Keep This Document For Future Use
pay, we may report you as delinquent.
This notice tells you about your rights and our responsibilities under
the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
BR251783 (11/13) M-110155
If you think there is an error on your statement, write to us at:
Capital One
PO Box 5893, Carol Stream, IL 60197-5893
In your letter, give us the following information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill,
describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled,
if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us,
but if you do we are not required to investigate any potential errors
and you may have to pay the amount in question.