Credit Card Agreement for VISA Signature
and World MasterCard in Capital One, N.A.
There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer
Agreement. The Pricing Information shows a range of terms that includes both mail and online offers for new accounts
available under this Agreement as of March 31, 2016. 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, 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% for 10 months.
(APR) for Purchases
Non-introductory rates between 14.24% and 20.24%.
Some Purchase APRs may vary with the market based on changes in the Prime Rate.
APR for Transfers
Non-introductory rates between 14.24% and 20.24%.
Some Transfer APRs may vary with the market based on changes in the Prime Rate.
APR for Cash Advances
Non-introductory rate of 23.24%.
Cash Advance APRs may vary with the market based on changes in the Prime Rate.
Penalty APR and
29.65%.
When It Applies
Penalty APRs may vary with the market based on changes in the Prime Rate.
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? If APRs are increased for a payment that is late, the
Penalty APR may apply indefinitely.
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge 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 special transfers on the
transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.50.
Annual Fee
$0.
Transaction Fees
Cash Advance Fee
The greater of either $10 or 3% of the amount of each cash advance.
Foreign Transaction Fee
None.
Penalty Fees
Late Payment
Up to $35.
Over-the-Credit-Limit
$0.
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 Variable Rates? 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 each month. If the
Journal is not published on that day, then see the immediately preceding edition. If Prime changes, your new rate will take
effect on your next billing period. If your offer discloses a variable rate that changes quarterly, your new rate will take effect on
the first day of your January, April, July, and October billing periods.
If the APR associated with an offer is variable, the APR will equal:
Non-introductory Purchase APR - Prime plus a margin between 10.74% and 16.74%.
Non-introductory Transfer APR - Prime plus a margin between 10.74% and 16.74%.
Cash Advance APR - Prime plus 19.74%.
Penalty APR - Prime plus 26.15%.
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 0.05545%, Non-introductory Transfer
APR between 0.03901% and 0.05545%, Cash Advance APR 0.06367%, and Penalty APR 0.08123%.
How Can I Avoid Paying Interest Charges? If you pay your statement's "New Balance" in full by the due date, we will
not charge interest on any new transactions that post to the Purchase balance. If you have been paying your account
in full with no interest charges, but then you do not pay your next "New Balance" in full, we will charge interest on the
portion of the balance that you did not pay. For cash advances and special transfers, we will start charging interest on the
transaction date.
How Is The Interest Charge Applied? Interest charges accrue from the 1) date of the transaction, 2) date the transaction
is processed, or 3) first calendar day of the billing period. Interest charges accrue on every unpaid amount until it is paid in
full. This means you may owe interest charges even if you pay the entire "New Balance" one month, but did not do so for
the previous month. Unpaid interest charges are added to the proper segment of your account. However, we reserve the
right to not assess interest charges at any time.
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 that are 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.
© 2016 Capital One. Capital One is a federally registered service mark. All rights reserved. Products and services offered
by Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.
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.
revolving credit line based on several factors, including
"We," "us," "our," and "Capital One" mean Capital
your performance on this Account and other credit
One, 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 your
disclosures;
Card or Account. It will continue to apply even after
(4) any privacy notices;
your Account is closed, as long as you have a balance.
(5) your Card benefits brochure which describes
(2) You must sign the Card immediately when you receive it.
benefits provided by the Payment Card Network for
(3) You must return the Card to us or destroy it if we ask
your Account;
you to.
(6) all disclosures and materials provided to you before
(4) You must take reasonable steps to prevent the
or when you opened your Account;
unauthorized use of your Card, Access Checks and
(7) any other documents and disclosures relating to your
Account.
Account, including those provided online; and
(5) We may decline to authorize a transaction for any
(8) any future changes we make to any of the above.
reason. This may occur even if the transaction would
not cause you to go over your revolving credit line or
Please read these carefully and keep them for
your Account is not in default.
future reference.
(6) We are not responsible for any losses you incur if we
New Offers
do not authorize a transaction.
(7) We are not responsible for any losses you incur if
In the future, we may provide you with new offers that
anyone refuses to accept your Card for any reason.
we think may interest you. The terms of these offers may
(8) Unless we tell you otherwise, we will bill each
differ from the standard terms on your Account. This
transaction to the applicable Segment of your
Agreement will still apply.
Account. We will apply it against your available credit
Account Information
for that Segment.
We need information about you to manage your
(9) You may obtain Cash Advances and Transfers as
Account. This includes:
permitted for your Account. You may not use these to
pay any amount you owe us or any other company in
(1) your legal name;
the Capital One organization.
(2) a valid U.S. mailing address and residential address
(10) You must not use, or try to use, the Card for any illegal
(if different);
activity. You are responsible for any charges if you do.
(3) your date of birth;
(11) We are not liable for any losses that may result
(4) your Social Security number or other government
when our services are unavailable due to reasons
identification number;
beyond our control.
(5) your telephone number(s); and
(6) your employment and income information.
Rewards
Your Account may provide you with the opportunity to
You must tell us when this information changes. We may
earn rewards. If it does, we will separately provide you
ask you for additional documents to verify any changes.
with information and terms about the rewards.
1
Access Checks
they are an Authorized User. We may require certain
We may provide you with Access Checks. If we do, we
information about them. We may limit their ability to use
will tell you at the time if we consider them purchases,
your Card. They may have access to certain information
Cash Advances or Special Transfers.
about your Account. You will be responsible for their use
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
(1) your Account is past due, charged off, bankrupt, lost/
Account, you must contact Customer Service and request
stolen or closed;
their removal. You also must immediately destroy all Cards
(2) we suspect fraud;
in their possession and cancel any arrangements they may
(3) your Account is over the revolving credit line; or
have set up on your Account. They will be able to use your
(4) the check has expired, is damaged or cannot
Account until you have notified us that you are removing
otherwise be processed.
them from your Account. During this time, you will still be
responsible for all amounts they charge to your Account. You
Our liability if we do not pay an Access Check will never
will be responsible even if these amounts do not appear on
be more than (1) your actual damages or (2) the amount
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-
Lending Disclosures for more information.
Your Promise to Pay
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
We will have a reasonable amount of time after your
(such as for mail, telephone, Internet, or mobile device
stop payment request to research and complete the
purchases) the same as if you used the Card in person. If
stop payment. We will not be responsible if we cannot
you let someone else use your Card, you are responsible
complete the stop payment. Reasons include:
for all transactions that person makes.
(1) the Access Check was already paid;
Statements
(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
been compromised for any reason, you must contact
transaction, if we ask;
Customer Service immediately.
(2) not pursue any claim or reimbursement of the
transaction amount from the merchant or any other
Authorized Users
person; and
If you ask us to issue a Card to any other person,
(3) help us get reimbursement from others.
2
No Warranties
Stop Payment Fee
We are not responsible for any claim you may have
We may charge you this Fee each time you ask us to
regarding the purchase of goods or services made with
(1) stop payment on an Access Check or (2) renew an
your Card beyond your rights described in the "Billing
existing stop payment order.
Rights Summary" on your Statement.
Cash Advance Fee
Lost or Stolen Card
We may charge you this Fee each time you take out a
If your Card is lost or stolen or if you think someone else
Cash Advance. We will treat this Fee as a Cash Advance
may be using your Card or Account number without your
transaction.
permission, you must contact Customer Service immediately.
You will not be responsible for transactions on your Account
Transfer Fee
that we find are unauthorized.
We may charge you this Fee each time you make a
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
from the wrongdoer. Your help includes giving us
Transactions Made in Foreign Currencies
documents in a form that we request.
If you make a transaction in a foreign currency, the
Interest Charges and Fees
Payment Card Network will convert it into a U.S. dollar
amount. The Payment Card Network will use its own
We will charge Interest Charges and Fees to your
currency conversion procedures. The conversion rate
Account as disclosed on your Statement and other
in effect on the processing date may differ from the rate
Truth-in-Lending Disclosures. In general, Interest
in effect on the transaction date that appears on your
Charges begin to accrue from the day a transaction
Statement. We do not adjust the currency exchange rate
occurs. However, we will not charge you interest on
or charge any currency conversion Fees.
any new transactions posted to the purchase Segment
of your Account if you paid the total balance across all
Minimum Payment
Segments of your Account in full by the due date on
You must pay us at least the minimum payment amount
your Statement each month. From time to time, we may
by the payment due date. Your Statement will tell you:
give you offers that allow you to pay less than the total
balance and avoid Interest Charges on new purchase
(1) the minimum payment due,
Segment transactions. If we do, we will provide details in
(2) your new balance,
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,
you must still pay at least the minimum payment
If your Account has a membership Fee, we may charge
amount each month, even if you paid more than the
the first membership Fee either on the day you activate
minimum payment due on the previous Statement. We
your Card or on the day when you use your Account,
will continue to charge Interest Charges during Billing
whichever occurs first. If your Account terms include a
Cycles when you carry a balance regardless of whether
$0 introductory Fee, we may charge the first Fee when
your Statement includes a minimum payment that is
the introductory period ends. If it is an annual Fee, we
due. If your Account is 180 days past due, is part of a
may then charge it approximately once per year. If it is a
bankruptcy proceeding or is otherwise charged off, the
monthly Fee, we may charge it each Billing Cycle.
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 must be made in U.S. dollars from a U.S.
your payment as instructed on your Statement by the
deposit account in a form acceptable to us. We do not
payment due date.
accept cash payments through the mail. You may not
Returned Payment Fee
make payments with funds from your Account or any
We may charge you this Fee each time your financial
other credit account with us or any other company in
institution for any reason rejects a payment you make to us.
the Capital One organization. You must send mailed
payments to us as instructed on your Statement, unless
we tell you otherwise.
3
Other Payment Services
Items with Restrictive Words, Conditions,
We may make services available that allow you to make
or Instructions
faster or recurring payments online or by telephone. We
You must mail all Items bearing restrictive words,
will describe the terms for using these services and any
conditions, limitations, or special instructions to:
applicable Fee before you use them. You do not have to
use these other payment services.
Capital One
PO Box 1330
We are not responsible if your financial institution rejects
Charlotte, NC 28201-1330
a payment made using our payment services.
This includes Items marked "Paid in Full" or similar
If you ask someone else to make a payment for you,
language. This also includes all accompanying
we may provide that person with limited Account
communications.
information necessary to set up and process that
payment. We may also refuse to accept that payment. If
If you make such a payment or send any accompanying
we do accept it, you will be responsible for that payment
communications to any other address, we may reject it
even if a financial institution rejects it.
and return it to you. We may also accept it and process
it without losing any of our rights.
Payment Processing
Credit Balances
We may accept and process payments without losing
any of our rights. We may delay the availability of
We may reject and return any payment that creates or
credit until we confirm that your payment has cleared.
adds to a credit balance on your Account. Any credit
This may happen even if we credit your payment to
balance we allow will not be available until we confirm
your Account. We may resubmit and collect returned
that your payment has cleared. We may reduce the
payments electronically. If necessary, we may adjust
amount of any credit balance by any new charges. You
your Account to correct errors, process returned and
may write to the address provided on your Statement
reversed payments, and handle similar issues.
or call Customer Service to request a refund of any
available credit balance.
When you send us an Item as payment, you authorize
us to make a one-time electronic fund transfer from
Account Default
your deposit account. You also authorize us to process
You will be in default if:
the payment as an Item. We may withdraw the funds
from your deposit account as early as the same day
(1) you do not make any payment when it is due;
we receive your payment. You will not receive your
(2) any payment you make is rejected, not paid or
Item back from your bank. We will provide additional
cannot be processed;
information about this process on your Statement.
(3) you file or become the subject of a bankruptcy or
insolvency proceeding;
We may use the information from an Item to create an
(4) you are unable or unwilling to repay your obligations,
electronic image. We may collect and return the image
including upon death or legally declared incapacity;
electronically. This electronic image may also be converted
(5) we determine that you made a false, incomplete or
to a substitute check and may be processed in the same
misleading statement to us, or you otherwise tried to
way we would process an Item. We will not be responsible
defraud us;
if an Item you provide has physical features that when
(6) you do not comply with any term of this Agreement
imaged result in it not being processed as you intended.
or any other agreement with us; or
(7) you permanently reside outside the United States.
How We Apply Your Payments
Your Account may have Segments with different Annual
If you are in default, we may take certain actions with
Percentage Rates (APR). For example, purchases may
respect to your Account. For example, depending on the
have a lower APR than Cash Advances. If your Account
default, we may take the following actions, without notifying
has Segment balances with different APRs, here is how
you, unless the law says that we must give you notice:
we apply payments in a Billing Cycle:
(1) charge you Fees, or change the APRs and Fees on your
(1) We generally apply credits and payments up to
Account, if provided in your Truth-in-Lending Disclosures;
your minimum payment first to the balance with the
(2) close or suspend your Account;
lowest APR, and then to balances with higher APRs.
(3) lower your revolving credit line;
(2) We apply any part of your payment exceeding your
(4) demand that you immediately pay the total balance
minimum payment to the balance with the highest
owing on your Account;
APR, and then to balances with lower APRs.
(5) continue to charge you Interest Charges and Fees as
long as your balance remains outstanding; and/or
(6) file a lawsuit against you, or pursue another action that
is not prohibited by law. If we file a lawsuit, you agree to
pay our court costs, expenses and attorney fees, unless
the law does not allow us to collect these amounts.
4
Communications
The Law That Applies to Your Agreement
You agree that we may communicate with you by mail,
We make decisions to grant credit and issue you a Card
telephone, email, fax, prerecorded message, automated
from our offices in Virginia. This Agreement is governed
voice, text message or other means allowed by law
by applicable federal law and by Virginia law. If any part
regarding your Account.
of this Agreement is unenforceable, the remaining parts
will remain in effect.
You agree that we may contact you at any telephone
number (including a mobile telephone number that
Waiver
you provide us), and use an automated telephone
We will not lose any of our rights if we delay or choose
dialing system or similar device to do SO. You agree that
not to take any action for any reason. We may waive our
we may monitor or record any conversation or other
right without notifying you. For example, we may waive
communication with you.
your Interest Charges or Fees without notifying you and
Credit Reports
without losing our right to charge them in the future.
We may report information about your Account to credit
Assignment
bureaus and others. Late payments, missed payments,
This Agreement will be binding on, and benefit, any of
or other defaults on your Account may be reflected in
your and our successors and assigns. You may not sell,
your credit report. Information we provide may appear
assign or transfer your Account or this Agreement to
on your and the Authorized Users' credit reports.
someone else without our written permission.
If you believe that we have reported inaccurate
We may sell, assign or transfer your Account and this
information about your Account to a credit bureau or
Agreement without your permission and without prior
other consumer reporting agency, notify us in writing at
notice to you. Any assignee or assignees will take our
PO Box 30281, Salt Lake City, UT 84130-0281. When
place under this Agreement. You must pay them and
you write, tell us the specific information that you believe
perform all of your obligations to them and not us. If you
is incorrect and why you believe it is incorrect.
pay us after we notify you that we have transferred your
We may obtain and use credit, income and other
Account or this Agreement, we can return the payment
information about you from credit bureaus and others as
to you, forward the payment to the assignee, or handle it
the law allows.
in another way that is reasonable.
Closing or Suspending Your Account
Glossary
You may contact Customer Service to ask us to close
"Access Check" means any check we send to you to
your Account.
access credit from your Account. We may also refer
to an Access Check as a "convenience check" or a
We may close or suspend your Account at any time and for
"purchase check".
any reason permitted by law, even if you are not in default.
"Account" means your Card Account with us.
If we close or suspend your Account for any reason,
you must stop using your Card. You must also cancel all
"Authorized User" means a person who may use the
billing arrangements set up on the Account. If we close
Card, but is not responsible for the repayment of the
or permanently suspend your Account, you must return
Account.
or destroy all Cards. You must still pay us all amounts
"Balance Transfer" means a Transfer posted to the
you owe on the Account.
purchase Segment of your Account unless otherwise
Changes to Your Agreement
described in your Truth-in-Lending Disclosures.
At any time, we may add, delete or change any term of
"Billing Cycle" means the period of time reflected on
this Agreement, unless the law prohibits us from doing
a Statement. This period may vary in length, but is
SO. We will give you notice of any changes as required
approximately 30 days. You will have a Billing Cycle
by law. We may notify you of changes on your Statement
even if a Statement is not required. We will often
or in a separate notice. Our notice will tell you when and
specify a Billing Cycle by the month in which its closing
how the changes will take effect. The notice will describe
date occurs. For example, a "March Billing Cycle" will
any rights you have in connection with the changes.
have a closing date in March. We may also refer to
Your variable APRs (if applicable) can go up or down as
a Billing Cycle as a "Billing Period". If your Account
the index for the rate goes up or down. If we increase
balance has charged off, we may switch to quarterly
your APRs for any other reason, or if we change your
Billing Cycles for your Account.
Fees or other terms of your Account, we will notify you
"Card" means any Capital One credit card associated
as required by law.
with your Account. This includes all renewals and
substitutions. It also means any other access device
for your Account we give you that allows you to obtain
credit, including any Account number.
5
"Cash Advance" means a loan in cash or things we
"Special Transfer" means a Transfer posted to a
consider cash equivalents, including wire transfers,
Segment of your Account that is not your purchase
travelers' checks, money orders, foreign currency,
Segment or Cash Advance Segment.
lottery tickets, gaming chips, and wagers. We post
Cash Advances to the Cash Advance Segment of your
"Statement" means a document showing important
Account and not to your purchase Segment.
Account information, including all transactions billed to
your Account during a Billing Cycle and information about
"Fees" means charges imposed on your Account not
what you must pay. We may also refer to your Statement
based on the Annual Percentage Rates.
as a "Periodic Statement" or a "Billing Statement".
"Interest Charges" means any charges to your Account
"Transfers" means amounts transferred from other
based on the application of Annual Percentage Rates.
accounts to this Account and includes Balance
"Item" means a check, draft, money order or other
Transfers and Special Transfers.
negotiable instrument you use to pay your Account.
"Truth-in-Lending Disclosures" means disclosures that
This includes any image of these instruments. This
the federal Truth in Lending Act and Regulation Z
does not include an Access Check.
require for any Account. This includes your application
"Payment Card Network" means the network provider
and solicitation disclosures, Account opening
displayed on your Card. This may be Visa Inc.,
disclosures, subsequent disclosures, Statements, and
MasterCard International Incorporated, or any other
change in terms notices.
network provider.
"Segments" means the different parts of your Account
we may establish that are subject to unique APRs,
pricing, or other terms. We create these parts of your
Account for such things as your purchases, Balance
Transfers, Cash Advances and Special Transfers.
The sum of your Segment balances equals your total
Account balance.
CapitalOne
C 2014 Capital One
Capital One is a federally registered service mark.
All rights reserved.
BR281646 M-112863
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COF Customer Agreement 358