Credit Card Agreement for Furniture Row 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
24.9% 26.9%.
(APR) for Purchases
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It
28.9% 29.9%.
Applies
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 lon-
ger be eligible for the Standard Rate and all existing Promotional Credit Plans will terminate, and your entire Account balance will
be subject to the Penalty Rate. If your Account becomes subject to the Penalty APR, we will provide advance notice before the new
Penalty APR goes into effect. If you make the next six consecutive on time minimum payments starting with your first payment due
once the Penalty APR goes into effect, your rates will return to the non-penalty APR(s) applicable to your Account. If you do not
make these six consecutive on time minimum payments, we may keep the Penalty APR on your Account indefinitely.
How to Avoid Paying
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your
Interest on Purchases:
entire balance by the due date each month.
Minimum Interest Charge
A minimum Interest Charge of $2.00 will be assessed for each billing cycle in which an Interest Charge is payable.
Annual Fee
$0.
Transaction Fees
Balance Transfer Fee
None.
Cash Advance Fee
None.
Foreign Transaction Fee
None.
Penalty Fees
Late Payment
Up to $35.
Over the Credit Limit Fee
None.
Returned Payment
Up to $25.
Balance Computation Method: Average Daily Balance (including new purchases)
The "Daily Balance" of a Credit Plan is determined by taking the opening balance of the Credit Plan for that day, and adding 1) any new purchase made on the
Credit Plan that day, 2) the previous day's Interest Charges, 3) any credit insurance premiums or debt cancellation fees (if applicable) incurred on that day and 4)
any late fees, over the credit limit fees, returned payment fees or other fees incurred on that day and subtracting any payments or credit applied to the Credit Plan
that day. If your Account is subject to a grace period during the billing cycle, payments made during that cycle will be subtracted from all Daily Balances in the
current cycle.
Required Insurance, Debt Cancellation or Debt Suspension Coverage: None
Disclosure of Rates: The Daily Periodic Rate for the Standard Rate will be .06822% to .07370% (corresponding 24.9% to 26.9% Annual Percentage Rate). The Daily
Periodic Rate for the Penalty Rate .07918% to .08192% (corresponding 28.9% to 29.9% Annual Percentage Rate).
CAPITAL ONE® CUSTOMER AGREEMENT
CAPITAL ONE TERMS AND CONDITIONS
Outstanding
Late Payment Fee
Late Payment Fee-if
How We Will Calculate Your Balance: We use a method called "average
Balance on
first time your
another payment is
daily balance (including new purchases)".
Payment Due Date
payment is late.
late during the next 6
billing cycles.
Billing Rights: Information on your rights to dispute transactions and
how to exercise those rights is provided in this Cardholder Agreement.
Up to and
$25
$25
You may pay the entire New Balance at any time.
including $100
More than $100
$25
$35
NOTICE FOR MARRIED WISCONSIN RESIDENTS: No provision of a marital
property agreement, unilateral statement under Section 766.59 of
OVER THE CREDIT LIMIT FEE
the Wisconsin Statutes, or court order under Section 766.70 of the
Wisconsin Statutes adversely affects the interest of the creditor unless
This fee is shown in the table on page 1 and will be charged if:
the creditor, prior to the time the credit is granted, is furnished a copy
your Account balance exceeds your credit limit at any time during a
of the agreement, statement or decree or has actual knowledge of
billing cycle.
the adverse provision when the obligation to the creditor is incurred.
RETURNED PAYMENT FEE
If you are married, by submitting your credit card application you are
confirming that this credit card obligation is being incurred in the
This fee is shown in the table on page 1. It is charged each time a
interest of your marriage and your family. If the credit card for which
check or other form of payment to us is returned or not honored.
you are applying is granted, you will notify the Bank if you have a
PAYMENT BY PHONE FEE
spouse who needs to receive notification that credit has been extended
This fee:
to you.
may be charged each time anyone makes a payment to your
CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT
Account with the assistance of a live phone representative; and
the amount is disclosed at the time a payment by phone is requested.
You have been approved for a Furniture Row credit card. This account is
issued by Capital One, N.A. (Capital One).
COPY REQUEST FEE
A copy request fee may be charged each time a copy of a document is
INTEREST RATES INFORMATION
requested.
Annual Percentage Rate ("APR") and Daily Periodic Rate ("DPR").
The fee amount will be disclosed at the time of your request.
Your Daily Periodic Rate (DPR) is described in the INTEREST CHARGES
section.
REISSUED CARD FEE
Rates accurate as of 11/01/2013
You may be charged $5 each time you request that your credit card be
reissued.
APR
DPR
MINIMUM PAYMENT DUE
You agree to pay us at least the Minimum Payment Due, reflected on
Standard APR
26.9%
.07370%
your statement. If you wish, you may pay more than the Minimum
Payment Due and at any time you may pay the entire amount due. Your
Penalty APR
29.9%
.08192%
Minimum Payment due is equal to your Minimum Payment plus the
Special Repayment Terms for any Promotional Credit Plans with a special
ABOUT THE PENALTY APR
repayment term plus any debt cancellation fees or credit insurance
premiums attributable to any Reduced Rate/Special Repayment Terms
If you do not make your Minimum Payment Due within 60 days after
Credit plans plus any delinquent amounts. The Minimum Payment is
the Payment due date we may increase your APRs to the Penalty APR.
the greater of a.) $25 or b.) 1% of your "New Balance" (which does not
If this occurs:
include balances on Special Repayment Terms Credit Plans) plus billed
we will provide advance notice before the Penalty APR goes into effect.
Interest Charges plus any Late Fees assessed for that month, rounded
once the Penalty APR goes into effect, if you make six consecutive
to the next highest dollar. Your monthly billing statement will include
on-time minimum payments when due, your rates will return to the
requirements for you to follow in making payments including the cut-
non-penalty APRs applicable to your Account.
off hour for receipt of payments, which may affect crediting of your
If you do not make six consecutive on time minimum payments, we
payments.
may keep the Penalty APR on your Account indefinitely.
INTRODUCTION
ABOUT INTEREST CHARGES
KEY TERMS
TREATMENT OF FEES AND INTEREST
"You" and "your" means each Applicant and Joint Applicant who:
applied for this Account bearing the name the Furniture Row; and/or
Any fees or Interest will be added to your purchase balance unless
agrees to pay for the Account.
otherwise stated in this Agreement.
"We," "us," and "our" means Capital One, N.A., located at 1111 Town
MINIMUM INTEREST CHARGE
If you are charged Interest, the charge will be no less than the
Center Drive, Las Vegas, Nevada 89144.
Minimum Interest Charge listed in the chart.
"Applicant" means the primary Cardholder. "Joint Applicant" means
the secondary Cardholder.
ABOUT ACCOUNT FEES & OTHER CHARGES
"Agreement" means all parts of this document and any future
FEES AND LIMITS
supplements or amendments.
The fees that apply to your Account are shown in the purchase balance
unless otherwise stated in this Agreement.
"Card" means any card, card number or other device we issue to
access your Account.
If charging any fee shown in the chart would exceed first-year fee
GETTING STARTED
limits set by law, we may charge an amount allowed by law. If we do
this, it does not affect our ability to charge the full fee amount later.
The Card must be signed to be used.
LATE PAYMENT FEE
When you use the Account or sign the card or sales slips, you agree to:
This fee is shown in the chart below. It is charged in any billing
the terms of this Agreement; plus
cycle that you do not pay at least the Minimum Payment Due by the
any amendments or supplements to the Agreement.
Payment Due Date. In no event will your Late Payment Fee exceed the
You may close your Account at any time. Please see the CLOSING YOUR
Minimum Payment Due.
ACCOUNT section for details.
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
purposes; and
allowed by law. This may include our cost to:
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
for internet gambling.
WHEN AND HOW TO PAY
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
CREDIT LIMIT
make this payment in time to be credited by no later than the
When you open your Account, we will tell you your credit limit.
Payment Due Date.
We may change this limit from time to time. Whenever this occurs, we
How your Minimum Payment Due is determined as shown in the
will notify you:
MINIMUM PAYMENT DUE section.
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. If
paid from a U.S. bank or other U.S. financial institution; and
a transaction would exceed your available credit limit, we may decline it.
sent in a form that is acceptable to us.
USING THE ACCOUNT
Acceptable forms of payment include:
At times we may:
a check or money order; or
decline a transaction if there is not enough available credit and for
an electronic funds transfer
any other reason and/or;
require our Authorization before allowing a transaction.
If you want to write any special conditions on your payment, such as
"paid in full", "without recourse", or similar language, you must:
A merchant may check your ID.
Mark this clearly on your payment.
We are not liable if:
Payment must be marked for Special Handling and sent to:
a merchant refuses your card; and/or
Capital One, PO Box 5226, Carol Stream, IL 60197-5226.
we do not complete your transaction for any reason.
Unless you follow the above directions, we may accept a payment
marked with special conditions and not agree to those conditions, and
PAYING YOUR BILL
will not lose any of our rights.
PROMISE TO PAY
By sending us a check for payment on your Account, you authorize us
You promise to pay for all:
either to:
credit we extend; plus
use information from your check to initiate an electronic fund
Interest charges and other fees or charges; plus
transfer from your payment account according to the terms of the
collection costs and attorney fees as allowed by law.
check; or
If your Account is a joint Account, each of you is jointly and individually
to process this transaction as a check.
responsible for amounts due. This remains true in the event of death, divorce
When we use your check to make an electronic fund transfer:
or other events that affect liability between you and the other person.
funds may be withdrawn from your payment account the same day
If any joint Accountholder requests to not be liable for future
we receive your payment; and
transactions, we may close the Account.
you will not receive your check back from your bank.
SECURITY INTEREST
When you use our optional payment by phone service, you agree that:
A "Security Interest" is our interest in an item that you buy using your
we may make an electronic funds transfer from the bank account
Account that secures the payment of your Account.
you choose; or
we may process the payment the same way we would process a check.
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:
You authorize the amount and timing of each payment. Please retain
any goods you buy with your Card; and
this authorization for your records.
any proceeds you get from the following:
If you have a returned payment:
a) insurance contracts, and returned premiums: and/or
the amount you paid will be added back to your Account and
b) mechanical failures and/or
may be applied to a different category than originally posted. (e.g.
c) extended service contracts
purchases, etc.); and
Each good you buy using your Account:
Interest Charges may be restored back to the payment date at the
APR for that transaction
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.
ACCOUNT FEES AND OTHER INTEREST RATES
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
ABOUT YOUR APRs
"How We Apply Payments" section of this agreement.
Your APRs are shown on page 1.
A Daily Periodic Rate is used to determine your Interest Charges in any billing
Once you have fully paid for any good, we will release our purchase
cycle. To determine this rate, we divide your APR by 365; then round this
money security interest in that good.
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 / 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 Due is:
section of this Agreement for information.
applied as we determine within legal guidelines; and
usually applied to the minimum due on each credit plan.
INTEREST CHARGES
Any payment amount over the Minimum Payment Due is applied to
HOW INTEREST CHARGES ARE CALCULATED
higher APR balances before lower ones.
Each billing statement shows the Interest Charges, which are
If you have a Same As Cash Credit Plan(s):
calculated separately for each:
Until the final two complete billing cycles:
Promotional Credit Plan with a unique due date or unique terms;
We apply payments the same way we apply payments to a Same As
Regular Credit Plan
Cash Credit Plan having a 0% APR
The total interest charge for the billing cycle is the sum of the interest charge
During the final two complete billing cycles and up to the date of
expiration we will apply payments received in this order:
for each plan subject to the minimum interest charge shown in the chart.
1) To the required Minimum Payment Due; and
For Same As Cash Plans, if interest is applied, the interest is accrued
2) To the plan(s) that is expiring, in the order of expiration.
from the transaction date of the purchase through the current cycle.
The Interest Charge is the total of:
MANAGING YOUR ACCOUNT
the applicable Daily Periodic Rate for the current cycle times the Daily
OTHER USERS
Balance for each day in the current cycle; plus
the applicable Daily Periodic Rate for each prior cycle times the Daily
You may permit others to use your Card or Account Number.
Balances of the Credit Plan for each day during each prior cycle.
You are responsible for all charges made by permitted users.
For Plans other than Same As Cash, the interest charge is the total of:
If you wish to revoke another person's permission to use your Account,
the applicable Daily Periodic Rate for the Plan times the Daily Balance
you must notify us. We may close your Account and issue a new Card
for the plan for each day in the cycle.
with a different Account number.
HOW DAILY BALANCE IS DETERMINED
UPDATING YOUR RECORDS
To determine your Daily Balance, we:
You agree:
take the opening balance for each Plan for that day; then
a) to give us prompt advance notice of any change in your name,
add the following that were incurred on that day:
mailing address, phone number, or employer;
a) any new purchases
b) to promptly give us accurate financial information about you if we
b) any previous day's periodic Interest Charges
ask for it; and
c) any fees and charges, including any credit insurance premiums or
c) the Department of Motor Vehicles may release your home address
debt cancellation fees, if these apply; then
to us if we ever need it to find you.
subtract any payments and/or credits.
CLOSING YOUR ACCOUNT
For any Same As Cash Credit Plan:
You can close your account at any time by mailing your request to
Any credit insurance premiums or debt cancellation fees are not
Capital One, PO Box 5226, Carol Stream, IL 60197-5226. Your request
included in the Daily Balance of that Plan during the promotional period.
becomes effective when we receive it.
We also make any needed adjustments. For example:
Once you close the Account:
If a transaction posts after but occurs before the start of a billing cycle,
you must destroy your card(s); and
we may adjust the amount above to include this transaction. It will be
you will still be responsible for all amounts owed according to the
included as of the first day of the billing cycle in which it posts.
terms of this Agreement.
PROTECTING YOUR CREDIT
a) close your Account;
b) suspend your credit privileges;
LOST OR STOLEN CARD
c) reduce your credit limit.
You agree to notify us immediately if:
your Card is lost or stolen; or
If we close your Account:
your Account is used without your permission.
Interest Charges and fees will continue to accrue until your balance
is paid in full; and
You may call at any time. The phone number is listed on your billing
you agree to return or destroy your Card(s).
statement.
COMMUNICATIONS
LIABILITY FOR UNAUTHORIZED USE
If you notice the loss or theft of your credit card, or a possible
We may contact you from time to time regarding your Account. We
unauthorized use of your card, you should call us at the number listed
may contact you in any manner we choose unless the law says that we
on your billing statement or the back of your card, or write to us
cannot. For example, we may:
immediately at:
1) contact you by mail, telephone, email, fax, recorded message, text
Capital One
message or personal visit;
PO Box 5226, Carol Stream, IL 60197-5226
2) contact you using an automated dialing or similar device
("Autodialer");
You will not be liable for any unauthorized use that occurs after you
3) contact you at your home and at your place of employment;
notify us. You may, however, be liable for unauthorized use that occurs
4) contact you on your mobile telephone;
before your notice to us. In any case, your liability will not exceed $50.
5) contact you at any time, including weekends and holidays;
6) contact you with any frequency;
DEFAULT
7) leave prerecorded and other messages on your answering machine/
We may consider your Account to be in Default if you:
service and with others; and
a) fail to make the Minimum Payment Due when due;
8) identify ourselves, your relationship with us and our purpose for
b) exceed your credit limit;
c) become the subject of bankruptcy proceedings, foreclosure,
contacting you even if others might hear or read it.
Our contacts with you about your Account are not unsolicited and
repossession, lien or judgment, garnishment, or attachment;
might result from information we obtain from you or others. We may
d) give us misleading, false or incomplete information;
monitor or record any conversation or other communication with
e) fail to give us a current physical address when you apply and
you. Unless the law says we cannot, we may modify or suppress caller
whenever you move;
ID and similar services and identify ourselves on these services in any
f) make payments to us that are returned unpaid by your bank or other
manner we choose. When you give us or we obtain
financial institution; or
your mobile telephone number, we may contact you at this number
g) default under any other agreement or security agreement you have
with us or with one of our affiliates; and/or
using an Autodialer and can also leave prerecorded and other messages.
We may do these things whether we contact you or you contact us.
h) become incompetent or deceased.
If you ask us to discuss your Account with someone else, you must
Upon default, we have the right to:
provide us with documents that we ask for and that are acceptable to us.
close your Account;
suspend your credit privileges;
CHANGE OF TERMS
require you to pay your entire Account balance including any
We may change this Agreement as allowed by applicable law. This may
Promotional Credit Plan balances, all accrued but unpaid Interest
include changing, adding, or removing terms. We may do this in response
Charges and other charges provided for in this Agreement immediately;
to the legal, business, competitive environment or other reasons not
terminate any Promotional Credit Plans and convert balances to a
listed here.
Regular Credit Plan;
We may increase the Interest rate on existing balances in limited
change the terms of your Account;
circumstances. Changes to some terms may require at least 45 days
sue you for what you owe.
advance notice, and we will tell you in the notice if you have the right to
If we incur costs to collect your balance owed including any attorney
reject a change. We cannot change certain terms during the first year of
fees, we may charge you for these costs as permitted by applicable
your Account.
law, and we will apply your payments first to these costs.
ACCOUNT ASSIGNMENT
CREDIT REPORTING
We may sell, assign or transfer all or any part of your Agreement and
You agree that we may obtain and use credit information about you
Account without notice to you. You may not sell, assign or transfer
from others such as:
your Account.
merchants or stores;
WAIVERS
other lenders;
If we delay or take no action allowed under this Agreement, for any
consumer reporting agencies.
reason, we will not lose or limit any of our rights under this Agreement
If you believe we have reported inaccurate information about your
on any other occasion.
Account to any consumer reporting agency you should:
SEVERABILITY
notify us and ask us to correct the inaccurate information by writing
If a term is found to be invalid under any applicable law, rule or
to us at Capital One, PO Box 5253, Carol Stream, IL 60197-5253.
regulation, then all other terms of this Agreement will remain valid.
When you write to us, tell us:
NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we
your Account number; and
inform customers that should they fail to fulfill the terms of their credit
the specific information you believe is not correct; and
obligation, a negative report reflecting on their credit record may be
why you believe it is not correct.
submitted to a credit reporting agency. If you are married, you may
INSURANCE
apply for credit in your own name.
If credit insurance was offered and your accepted it: You agree that
NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we
your Account will be charged monthly; this charge, which is called an
obtain a judgment against you, a portion of your disposable earnings
insurance premium, will be based on the Average Daily Balances of your
may be attached or garnished (paid to us by your employer), as provided
Account for the billing cycle in which the premium is assessed; and the
by Florida and Federal law.
charges will begin on the transaction date(s) of your purchase(s).
NOTICE FOR MAINE RESIDENTS: We may request a consumer report in
OTHER AGREEMENTS
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
ACCOUNT CLOSURE
address of the consumer reporting agency, if a report was obtained.
At any time, for any reason, we may take any of these actions subject
to applicable law:
Missouri Residents: Oral agreements or commitments to loan
2. 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
While we investigate whether or not there has been an error:
enforceable. To protect you (borrower(s)) and us (creditor) from
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.
While you do not have to pay the amount in question, you are
except as we may later agree in writing to modify it.
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
NOTICE FOR VERMONT RESIDENTS: A consumer credit report may be
organizations know when the matter has been settled between us.
requested in connection with this application or in connection with
If we do not follow all of the rules above, you do not have to pay the
updates, renewals or extensions of any credit granted as a result of this
first $50 of the amount you question even if your bill is correct.
application. Upon your request, you will be informed whether or not
such a report was requested and, if so, the name and address of the
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
agency that furnished the report.
If you are dissatisfied with the goods or services that you have
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.
BR251779 (11/13) M-110151
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
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.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
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.