Credit Card Agreement for VISA Signature and World Mastercard in
Capital One® Bank (USA), N.A.
There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer
Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts
available under this Agreement as of June 30, 2019. The combination of terms that could apply to you will differ depending
on the specific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates.
The Customer Agreement contains important information related to Visa Signature and World Mastercard consumer credit
cards issued by Capital One Bank (USA), N.A. Please visit www.capitalone.com to view our online credit card offers. If you
are a current Capital One cardholder, please log in to your account if you would like to request the Credit Card Agreement for
your account(s).
CAPITAL ONE PRICING INFORMATION
Annual Percentage Rate
Introductory rate of 0%, ranging from 9 to 15 months.
(APR) for Purchases
Non-introductory rates between 14.24% and 28.24%.
Some Purchase APRs may vary with the market based on changes in the Prime Rate.
APR for Transfers
Introductory rate of 0%, ranging from 9 months to 15 months.
Non-introductory rates between 14.24% and 28.24%.
Some Transfer APRs may vary with the market based on changes in the Prime Rate.
APR for Cash Advances
Non-introductory rates between 24.24% and 28.24%.
Cash Advance APRs may vary with the market based on changes in the Prime Rate.
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you
interest on new purchases provided you have paid your previous balance in full by the due
date each month. We will begin charging interest on cash advances and transfers on the
transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.50.
Annual Fee
Between $0 and $95 annually.
Transaction Fees
Transfer Fee
3% of the amount of each transfer.
Cash Advance Fee
The greater of either $10 or up to 4% of the amount of each cash advance.
Penalty Fees
Late Payment
Up to $38.
How We Will Calculate Balances: We use a method called "average daily balance" (including new transactions). See How
Do You Calculate the Interest Charge? below for more details.
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you make a late payment.
THINGS YOU SHOULD KNOW ABOUT THIS CARD
Can You Change My Account Terms? We can change the terms of your account as permitted by law. When required, we
will send you notice before doing so.
How Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate
variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December,
March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable
rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and
October billing periods: Non-Introductory Purchase APR: Prime plus a margin between 8.74% and 22.74%; Non-Introductory
Transfer APR: Prime plus a margin between 8.74% and 22.74%; Cash Advance APR: Prime plus a margin between 18.74%
and 22.74%. Any increase in the Prime rate may increase your Interest Charges and your Minimum Payment.
What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Introductory Purchase
APR would be 0%, Non-introductory Purchase APR would be between 0.03901% and 0.07737%, Introductory Transfer APR
would be 0%, Non-introductory Transfer APR between 0.03901% and 0.07737%, and Cash Advance APR would be between
0.06641% and 0.07737%.
How Can I Avoid Paying Interest Charges on New Transactions? If you pay your statement's "New Balance" in full by the
due date each month, we will not charge interest on any new transactions that post to the purchase balance. If you have been
paying your account in full without interest charges, but fail to pay your next "New Balance" in full, we will charge interest on
the unpaid balance. For cash advances and transfers, we will start charging interest on the transaction date. From time to
time, we may give you offers that allow you to pay less than the total balance and avoid interest charges to new transactions
that post to your purchase balance. If we do, we will provide details in the specific offer.
How is The Interest Charge Determined? Interest charges accrue from the 1) date of the transaction, 2) date the transaction
is processed or 3) first day of the billing period. Interest accrues daily on every unpaid amount until it is paid in full. Any
interest that has accrued during a billing period will post to your account at the end of the billing period and will appear on your
next statement. This means you may owe interest charges even if you pay the entire "New Balance" one month, but did not
do so the previous month. For example, even if a customer pays their balance in full on a February 26th due date, interest
would continue to accrue on the balance from February 2nd (the start of the Billing Cycle) through February 26th, and will
appear on their next statement. Once you start accruing Interest Charges, you generally must pay your New Balance in
full for two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest charges are
added to the proper segment of your account. However, we reserve the right to not assess interest charges.
How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new
transactions). Under this method, we first calculate your daily balance; for each segment, 1) take the beginning balance and
add in new transactions and the periodic interest charge on the previous day's balance, then 2) subtract any payments and
credits for that segment as of that day. The result is the daily balance for each segment. However, if you paid your previous
month's balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or
special purchase segments are not added to the daily balances. Also, transactions subject to a grace period are not added
to
the daily balances.
Next, to find your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the
number of days in the billing cycle.
At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance
by the daily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the
billing period. NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge
actually assessed.
© 2019 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered by
Capital One Bank (USA), N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.
Mastercard is a registered trademark of Mastercard International Incorporated. Visa and Visa Signature are registered
trademarks of Visa International Service Association and used under license.
Capital One Customer Agreement
Welcome to Capital One
We may restrict or close your Account if we cannot verify
Thank you for opening a credit card account with us.
your information, or if you do not provide it as requested.
This Customer Agreement including any changes to it
Your Revolving Credit Line and Spending
("Agreement") contains the terms of your agreement
with Capital One.
We will tell you your initial revolving credit line when you
open your Account. We may increase or decrease your
Definitions
revolving credit line at any time without prior notice to
The meanings of the terms you see in italics appear in
you, unless notice is required by law, and we may limit
the Glossary section at the end of this Agreement.
or take away the credit available for Cash Advances.
You can find your current revolving credit line on
As used here, "you" and "your" mean each applicant
your Statement. We may not authorize transactions in
and co-applicant for the Account; any person
excess of your revolving credit line. We may consider
responsible for paying the Account; and any person
each transaction that may cause you to exceed your
responsible for complying with this Agreement. "We,"
revolving credit line based on several factors, including
"us," "our," and "Capital One" mean Capital One Bank
your performance on this Account and other credit
(USA), National Association; and its agents, authorized
accounts you have with us and your performance with
representatives, successors, and assignees.
other creditors. If we do authorize transactions in excess
Account Documents
of your revolving credit line, they will be subject to this
Agreement. They will not result in an increase of your
The following documents govern your Account with us:
revolving credit line.
(1) this Agreement;
(2) all Statements;
Using Your Account
(3) any rewards program terms, conditions, and
(1) This Agreement applies whether or not you use
disclosures;
your Card or Account. It will continue to apply even
(4) any privacy notices;
after your Account is closed, as long as you have a
(5) your Card benefits brochure which describes
balance.
benefits provided by the Payment Card Network for
(2) You must sign the Card immediately when you
your Account;
receive it.
(6) all disclosures and materials provided to you before
(3) You must return the Card to us or destroy it if we ask
or when you opened your Account;
you to.
(7) any other documents and disclosures relating to your
(4) You must take reasonable steps to prevent the
Account, including those provided online; and
unauthorized use of your Card, Access Checks and
(8) any future changes we make to any of the above.
Account.
(5) We may decline to authorize a transaction for any
Please read these carefully and keep them for
reason. This may occur even if the transaction would
future reference.
not cause you to go over your revolving credit line or
New Offers
your Account is not in default.
(6) We are not responsible for any losses you incur if we
In the future, we may provide you with new offers that
do not authorize a transaction.
we think may interest you. The terms of these offers may
(7) We are not responsible for any losses you incur if
differ from the standard terms on your Account. This
anyone refuses to accept your Card for any reason.
Agreement will still apply.
(8) Unless we tell you otherwise, we will bill each
Account Information
transaction to the applicable Segment of your
We need information about you to manage your
Account. We will apply it against your available credit
Account. This includes:
for that Segment.
(9) You may obtain Cash Advances and Transfers as
(1) your legal name;
permitted for your Account. You may not use these to
(2) a valid U.S. mailing address and residential address
pay any amount you owe us or any other company in
(if different);
the Capital One organization.
(3) your date of birth;
(10) You must not use, or try to use, the Card for any
(4) your Social Security number or other government
illegal activity. You are responsible for any charges if
identification number;
you do.
(5) your telephone number(s); and
(11) We are not liable for any losses that may result
(6) your employment and income information.
when our services are unavailable due to reasons
You must tell us when this information changes. We may
beyond our control.
ask you for additional documents to verify any changes.
1
Rewards
been compromised for any reason, you must contact
Your Account may provide you with the opportunity to
Customer Service immediately.
earn rewards. If it does, we will separately provide you
Authorized Users
with information and terms about the rewards.
If
you ask us to issue a Card to any other person,
Access Checks
they are an Authorized User. We may require certain
information about them. We may limit their ability to use
We may provide you with Access Checks. If we do, we
your Card. They may have access to certain information
will tell you at the time if we consider them purchases,
about your Account. You will be responsible for their use
Cash Advances or Special Transfers.
of the Account and anyone else they allow to use your
Only the person we designate may use Access Checks.
Account, even if you did not want, or agree to, that use.
You may not use them to pay any amount you owe us or
any other company in the Capital One organization. We
Removing an Authorized User
may reject and not pay any Access Check if:
If you want to remove an Authorized User from your
Account, you must contact Customer Service and request
(1) your Account is past due, charged off, bankrupt, lost/
their removal. You also must immediately destroy all
stolen or closed;
Cards in their possession and cancel any arrangements
(2) we suspect fraud;
they may have set up on your Account. They will be able
(3) your Account is over the revolving credit line; or
to use your Account until you have notified us that you are
(4) the check has expired, is damaged or cannot
removing them from your Account. During this time, you
otherwise be processed.
will still be responsible for all amounts they charge to your
Our liability if we do not pay an Access Check will never
Account. You will be responsible even if these amounts do
be more than (1) your actual damages or (2) the amount
not appear on your Account until later.
of the Access Check, whichever is less.
Authorized Users may remove themselves from your
Use of an Access Check is not the same as using your
Account upon request. We reserve the right to remove
Card. When you use an Access Check, you will have
them from your Account for any reason. To remove them
fewer rights to dispute merchant transactions than
from your Account, we may close your existing Account
with uses of your Card. Please see the "Billing Rights
and issue a new Card with a new Account number.
Summary" on your Statement and your other Truth-in-
Your Promise to Pay
Lending Disclosures for more information.
You promise to pay us all amounts due on your Account.
Stopping Payment of Access Checks
This includes amounts where you did not sign a purchase
You may request a stop payment on any Access Check
slip or other documents for the transaction. We will treat
by contacting Customer Service.
transactions made without presenting your actual Card
(such as for mail, telephone, Internet, or mobile device
We will have a reasonable amount of time after your
purchases) the same as if you used the Card in person. If
stop payment request to research and complete the
you let someone else use your Card, you are responsible
stop payment. We will not be responsible if we cannot
for all transactions that person makes.
complete the stop payment. Reasons include:
Statements
(1) the Access Check was already paid;
(2) you do not give us the information we asked for; or
We will generally send or make available to you one
(3) the information you gave us was incorrect.
Statement for all Cards on your Account at the end of
each Billing Cycle. Under certain circumstances, the law
We do not have to release the stop payment order unless
may not require us to send or make available to you a
the account holder who made the request asks us to.
Statement, or may prohibit us from doing so.
If we re-credit your Account after a valid stop payment
order, you give us all of your rights against the payee or
Disputed Transactions
other holder of the paid Access Check. You also agree to
You must inspect each Statement you receive. Tell us
help us in any legal action we may later take against the
about any errors or questions you have, as described
payee or other holder of the check.
in the "Billing Rights Summary" on your Statement and
Using a PIN
other Truth-in-Lending Disclosures. If you do not notify
us of an error, we will assume that all information on the
We may give you a personal identification number (PIN).
Statement is correct.
For security reasons, you may have to provide the PIN
before you are able to use your Card.
If we credit your Account for all or part of a disputed
transaction, you give us all of your rights against others
Keep your PIN secure. Do not write it down, give it
regarding that transaction. You will also:
to anyone, or keep it with your Card. If you lose your
Card or believe the confidentiality of your PIN has
(1) give us any information about the disputed
transaction, if we ask;
2
(2) not pursue any claim or reimbursement of the
Returned Payment Fee
transaction amount from the merchant or any other
We may charge you this Fee each time your financial
person; and
institution for any reason rejects a payment you make to us.
(3) help us get reimbursement from others.
Stop Payment Fee
No Warranties
We may charge you this Fee each time you ask us to
We are not responsible for any claim you may have
(1) stop payment on an Access Check or (2) renew an
regarding the purchase of goods or services made with
existing stop payment order.
your Card beyond your rights described in the "Billing
Rights Summary" on your Statement.
Cash Advance Fee
Lost or Stolen Card
We may charge you this Fee each time you take out a
Cash Advance. We will treat this Fee as a Cash Advance
If your Card is lost or stolen or if you think someone else
transaction.
may be using your Card or Account number without your
permission, you must contact Customer Service immediately.
Transfer Fee
You will not be responsible for transactions on your Account
We may charge you this Fee each time you make a
that we find are unauthorized.
Transfer. We will charge the Fee to the same Segment
If we reimburse you for unauthorized transactions, you
where we post the Transfer.
will help us investigate, pursue and get reimbursement
Transactions Made in Foreign Currencies
from the wrongdoer. Your help includes giving us
If you make a transaction in a foreign currency, the
documents in a form that we request.
Payment Card Network will convert it into a U.S. dollar
Interest Charges and Fees
amount. The Payment Card Network will use its own
We will charge Interest Charges and Fees to your Account
currency conversion procedures. The conversion rate
as disclosed on your Statement and other Truth-in-
in effect on the processing date may differ from the rate
Lending Disclosures. In general, Interest Charges begin
in effect on the transaction date that appears on your
to accrue from the day a transaction occurs. However,
Statement. We do not adjust the currency exchange rate
we will not charge you interest on any new transactions
or charge any currency conversion Fees.
posted to the purchase Segment of your Account if
Minimum Payment
you paid the total balance across all Segments of your
You must pay us at least the minimum payment amount
Account in full by the due date on your Statement each
by the payment due date. Your Statement will tell you:
month. From time to time, we may give you offers that
allow you to pay less than the total balance and avoid
(1) the minimum payment due,
Interest Charges on new purchase Segment transactions.
(2) your new balance,
If we do, we will provide details in the specific offer.
(3) the payment due date, and
(4) an explanation of when the payment must reach us
We will generally treat Fees as purchase transactions
for us to consider it received as of that date.
unless otherwise specified below. These Fees apply to
your Account only if your Truth-in-Lending Disclosures
Returns and other credits to your Account will reduce
provide for them. We may increase your Interest Charges
your Account balance, but they will not change your
and Fees as described in the Changes to Your Agreement
minimum payment amount.
section or in your Truth-in-Lending Disclosures.
In addition to the minimum payment, you may pay
Membership Fee
all or part of the total balance on your Account. But,
If your Account has a membership Fee, we may charge
you must still pay at least the minimum payment
the first membership Fee either on the day you activate
amount each month, even if you paid more than the
your Card or on the day when you use your Account,
minimum payment due on the previous Statement. We
whichever occurs first. If your Account terms include a
will continue to charge Interest Charges during Billing
$0 introductory Fee, we may charge the first Fee when
Cycles when you carry a balance regardless of whether
the introductory period ends. If it is an annual Fee, we
your Statement includes a minimum payment that is
may then charge it approximately once per year. If it is a
due. If your Account is 180 days past due, is part of a
monthly Fee, we may charge it each Billing Cycle.
bankruptcy proceeding or is otherwise charged off, the
total balance is immediately due and payable.
Late Payment Fee
Making Payments
We may charge you this Fee if we do not receive
your payment as instructed on your Statement by the
Your payment must be made in U.S. dollars from a U.S.
payment due date.
deposit account in a form acceptable to us. We do not
accept cash payments through the mail. You may not
make payments with funds from your Account or any
3
other credit account with us or any other company in
Items with Restrictive Words, Conditions,
the Capital One organization. You must send mailed
or Instructions
payments to us as instructed on your Statement, unless
You must mail all Items bearing restrictive words,
we tell you otherwise.
conditions, limitations, or special instructions to:
Other Payment Services
Capital One
We may make services available that allow you to make
PO Box 1330
faster or recurring payments online or by telephone. We
Charlotte, NC 28201-1330
will describe the terms for using these services and any
applicable Fee before you use them. You do not have to
This includes Items marked "Paid in Full" or similar
use these other payment services.
language. This also includes all accompanying
communications.
We are not responsible if your financial institution rejects
a payment made using our payment services.
If you make such a payment or send any accompanying
communications to any other address, we may reject it
If you ask someone else to make a payment for you,
and return it to you. We may also accept it and process
we may provide that person with limited Account
it without losing any of our rights.
information necessary to set up and process that
payment. We may also refuse to accept that payment. If
Credit Balances
we do accept it, you will be responsible for that payment
We may reject and return any payment that creates or adds
even if a financial institution rejects it.
to a credit balance on your Account. Any credit balance
we allow will not be available until we confirm that your
Payment Processing
payment has cleared. We may reduce the amount of any
We may accept and process payments without losing
credit balance by any new charges. You may write to the
any of our rights. We may delay the availability of
address provided on your Statement or call Customer
credit until we confirm that your payment has cleared.
Service to request a refund of any available credit balance.
This may happen even if we credit your payment to
your Account. We may resubmit and collect returned
Account Default
payments electronically. If necessary, we may adjust
You will be in default if:
your Account to correct errors, process returned and
(1) you do not make any payment when it is due;
reversed payments, and handle similar issues.
(2) any payment you make is rejected, not paid or
When you send us an Item as payment, you authorize
cannot be processed;
us to make a one-time electronic fund transfer from
(3) you file or become the subject of a bankruptcy or
your deposit account. You also authorize us to process
insolvency proceeding;
the payment as an Item. We may withdraw the funds
(4) you are unable or unwilling to repay your obligations,
from your deposit account as early as the same day
including upon death or legally declared incapacity;
we receive your payment. You will not receive your
(5) we determine that you made a false, incomplete or
Item back from your bank. We will provide additional
misleading statement to us, or you otherwise tried to
information about this process on your Statement.
defraud us;
(6) you do not comply with any term of this Agreement
We may use the information from an Item to create an
or any other agreement with us; or
electronic image. We may collect and return the image
(7) you permanently reside outside the United States.
electronically. This electronic image may also be converted
to a substitute check and may be processed in the same
If you are in default, we may take certain actions with
way we would process an Item. We will not be responsible
respect to your Account. For example, depending on the
if an Item you provide has physical features that when
default, we may take the following actions, without notifying
imaged result in it not being processed as you intended.
you, unless the law says that we must give you notice:
How We Apply Your Payments
(1) charge you Fees, or change the APRs and Fees on your
Your Account may have Segments with different Annual
Account, if provided in your Truth-in-Lending Disclosures;
Percentage Rates (APR). For example, purchases may
(2) close or suspend your Account;
have a lower APR than Cash Advances. If your Account
(3) lower your revolving credit line;
has Segment balances with different APRs, here is how
(4) demand that you immediately pay the total balance
we apply payments in a Billing Cycle:
owing on your Account;
(5) continue to charge you Interest Charges and Fees as
(1) We generally apply credits and payments up to
long as your balance remains outstanding; and/or
your minimum payment first to the balance with the
(6) file a lawsuit against you, or pursue another action that
lowest APR, and then to balances with higher APRs.
is not prohibited by law. If we file a lawsuit, you agree to
(2) We apply any part of your payment exceeding your
pay our court costs, expenses and attorney fees, unless
minimum payment to the balance with the highest
the law does not allow us to collect these amounts.
APR, and then to balances with lower APRs.
4
Communications
Waiver
You agree that we may communicate with you by mail,
We will not lose any of our rights if we delay or choose
telephone, email, fax, prerecorded message, automated
not to take any action for any reason. We may waive our
voice, text message or other means allowed by law
right without notifying you. For example, we may waive
regarding your Account.
your Interest Charges or Fees without notifying you and
You agree that we may contact you at any telephone number
without losing our right to charge them in the future.
(including a mobile telephone number that you provide us),
Assignment
and use an automated telephone dialing system or similar
This Agreement will be binding on, and benefit, any of
device to do SO. You agree that we may monitor or record
your and our successors and assigns. You may not sell,
any conversation or other communication with you.
assign or transfer your Account or this Agreement to
Credit Reports
someone else without our written permission.
We may report information about your Account to credit
We may sell, assign or transfer your Account and this
bureaus and others. Late payments, missed payments,
Agreement without your permission and without prior
or other defaults on your Account may be reflected in
notice to you. Any assignee or assignees will take our
your credit report. Information we provide may appear
place under this Agreement. You must pay them and
on your and the Authorized Users' credit reports.
perform all of your obligations to them and not us. If you
If you believe that we have reported inaccurate
pay us after we notify you that we have transferred your
information about your Account to a credit bureau or
Account or this Agreement, we can return the payment
other consumer reporting agency, notify us in writing at
to you, forward the payment to the assignee, or handle it
PO Box 30281, Salt Lake City, UT 84130-0281. When
in another way that is reasonable.
you write, tell us the specific information that you believe
Glossary
is incorrect and why you believe it is incorrect.
"Access Check" means any check we send to you to
We may obtain and use credit, income and other information
access credit from your Account. We may also refer
about you from credit bureaus and others as the law allows.
to an Access Check as a "convenience check" or a
"purchase check"
Closing or Suspending Your Account
You may contact Customer Service to ask us to close
"Account" means your Card Account with us.
your Account.
"Authorized User" means a person who may use the
We may close or suspend your Account at any time and for
Card, but is not responsible for the repayment of the
Account.
any reason permitted by law, even if you are not in default.
If we close or suspend your Account for any reason,
"Balance Transfer" means a Transfer posted to the
you must stop using your Card. You must also cancel all
purchase Segment of your Account unless otherwise
billing arrangements set up on the Account. If we close
described in your Truth-in-Lending Disclosures.
or permanently suspend your Account, you must return
"Billing Cycle" means the period of time reflected on
or destroy all Cards. You must still pay us all amounts
a Statement. This period may vary in length, but is
you owe on the Account.
approximately 30 days. You will have a Billing Cycle
even if a Statement is not required. We will often
Changes to Your Agreement
specify a Billing Cycle by the month in which its closing
At any time, we may add, delete or change any term of
date occurs. For example, a "March Billing Cycle" will
this Agreement, unless the law prohibits us from doing
have a closing date in March. We may also refer to
SO. We will give you notice of any changes as required
a Billing Cycle as a "Billing Period". If your Account
by law. We may notify you of changes on your Statement
balance has charged off, we may switch to quarterly
or in a separate notice. Our notice will tell you when and
Billing Cycles for your Account.
how the changes will take effect. The notice will describe
any rights you have in connection with the changes.
"Card" means any Capital One credit card associated
with your Account. This includes all renewals and
Your variable APRs (if applicable) can go up or down as the
substitutions. It also means any other access device
index for the rate goes up or down. If we increase your APRs
for your Account we give you that allows you to obtain
for any other reason, or if we change your Fees or other
credit, including any Account number.
terms of your Account, we will notify you as required by law.
"Cash Advance" means a loan in cash or things we
The Law That Applies to Your Agreement
consider cash equivalents, including wire transfers,
We make decisions to grant credit and issue you a Card
travelers' checks, money orders, foreign currency,
from our offices in Virginia. This Agreement is governed
lottery tickets, gaming chips, and wagers. We post
by applicable federal law and by Virginia law. If any part
Cash Advances to the Cash Advance Segment of your
of this Agreement is unenforceable, the remaining parts
Account and not to your purchase Segment.
will remain in effect.
5
"Fees" means charges imposed on your Account not
"Special Transfer" means a Transfer posted to a
based on the Annual Percentage Rates.
Segment of your Account that is not your purchase
"Interest Charges" means any charges to your Account
Segment or Cash Advance Segment.
based on the application of Annual Percentage Rates.
"Statement" means a document showing important
"Item" means a check, draft, money order or other
Account information, including all transactions billed to
negotiable instrument you use to pay your Account.
your Account during a Billing Cycle and information about
This includes any image of these instruments. This
what you must pay. We may also refer to your Statement
does not include an Access Check.
as a "Periodic Statement" or a "Billing Statement".
"Transfers" means amounts transferred from other
"Payment Card Network" means the network provider
accounts to this Account and includes Balance
displayed on your Card. This may be Visa Inc.,
MasterCard International Incorporated, or any other
Transfers and Special Transfers.
network provider.
"Truth-in-Lending Disclosures" means disclosures that
"Segments" means the different parts of your Account
the federal Truth in Lending Act and Regulation Z
we may establish that are subject to unique APRs,
require for any Account. This includes your application
pricing, or other terms. We create these parts of your
and solicitation disclosures, Account opening
Account for such things as your purchases, Balance
disclosures, subsequent disclosures, Statements, and
Transfers, Cash Advances and Special Transfers.
change in terms notices.
The sum of your Segment balances equals your total
Account balance.
Capital0
C 2014 Capital One
Capital One is a federally registered service mark.
All rights reserved.
BR281639
M-112856
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COF Customer Agreement 058